Here are some ways we can all help out in our community this holiday season:
Make a Child Smile, benefitting Coppell children by providing gifts for families who need extra help. Choose your paper ornament at Town Center now through Dec. 7.
Holiday Food Drive, benefitting area food pantries. Now through Jan. 2, leave non-perishable items in the drop box at Town Center or the Coppell Public Library.
Just before Texas residents turn 50, they start receiving offers in the mail to join AARP. The politically powerful and influential advocacy group for seniors, provides a host of benefits for members. There is a small annual fee to become a member.
AARP provides access to insurance products at favorable rates. You can purchase health, homeowners or auto insurance through a preferred AARP provider. In addition to great deals on insurance, members also receive discounts on travel, phone plans and a number of other services and products.
As a national organization, AARP is a powerful group that represents the best interests of its membership in Washington D.C. and is also involved in state and local issues that affect our older population. Medicare and Social Security are always important issues. When new legislation is introduced, threatening to reduce Medicare coverage, this group is there to stand up and object. When the government says there is no inflation and does not give seniors a cost of living (COLA) raise on their monthly Social Security checks, guess who investigates the matter.
Other extras for Texas seniors that come with membership include human interest stories and coverage of the things that are an everyday part of the senior lifestyle. A monthly magazine covers topics such as consumer protection, caring for aging parents and even gardening.
AARP is also involved in Texas communities. They hold informative seminars, conduct driver safety courses and hold different events throughout the year. Individuals can access the organization online or, if they have questions can call and talk to someone on the phone.
If you are not yet eligible to join the AARP and need insurance coverage at an affordable rate, your best bet is to seek the help of an independent agent. Whether you live in Houston, Dallas or Coppell, Texas, you can get the right policy at the right price by visiting your local insurance agent.
Insurance discounts can quickly chip away at premiums for a policy. Yet, no two companies offer the same selection of premiums – and certainly not at the same rates.
Some of the more common insurance discounts are easily identifiable to those in Coppell, Texas. Take the following, for instance:
While there are plenty of general and common insurance discounts, it really depends on the company. When you are looking at a policy from a company, you will want to see how you quality – or could qualify, in some cases – for a specific discount.
Consider speaking to an independent agent to discuss this topic. The agent will be able to help you compare not only insurance policies, but the companies themselves – and their discounts. As independent agents work with multiple companies, you can get a good picture of available discounts and you can receive plenty of quotes to make a good choice.
Discounts are a major area for insurance policies. It is conceivable that a more expensive insurance policy could be the best option, once the discounts are figured. Speak to your agent to get the details, and for overall help in this process.
Identity theft happens in Coppell, Carrollton, Grapevine, as well as Dallas and Ft. Worth. It is all around us. Thieves only need one single piece of personal information to steal your identity and turn your financial life upside down. According to the Federal Trade Commission there are nearly 10 million people, or five percent of the adult population, who become victims of identity theft each year. Identity theft costs victims an estimated $5 billion in out-of-pocket expenses from trying to reclaim their good credit.
The Select Insurance Agency of Coppell, and Travelers Insurance, recommend the following identity theft prevention tips:
Call The Select Insurance Agency today to add identity fraud expense coverage as an endorsement to your homeowners, condo or renters policy. With technology advancing every day, it is important to know what you can do to protect yourself before it is too late.
For Coppell, Texas residents, purchasing a life insurance policy is an important step for financial protection – as it is with those around the country. Approaching this area involves a number of considerations that can make a big difference in premiums, financial security, and overall peace of mind.
A preliminary thought will be with the type of life insurance desired. There are plenty of life insurance types. You might be interested in whole life, a permanent policy, or a temporary term life policy. There are further specialty types of life insurance within these two broad categories, as well. Furthermore, you could opt for a strategy involving both types of life insurance.
The million-dollar question – which may be much less than this amount – is the amount of life insurance to purchase. Yet, this is a topic that is filled with things to consider as well:
Speaking to an independent agent can be a great way to obtain help for these areas. Your agent will be able to explain your options, offer advice on your strategy, and help you come up with a figure that works for your needs and your budget.
Another advantage of going with an independent insurance agent is found in the comparison process. An independent agent can compare your chosen policy type with several leading insurers. You will be able to see plenty of competitive rates, which will help you choose an optimal premium for the coverage.
Contact your local agent today for assistance with this vital insurance type.
…AN INDEPENDENT AGENCY SERVING COPPELL, GRAPEVINE, IRVING, CARROLLTON, FLOWER MOUND, LEWISVILLE, PLANO, FRISCO AND ALL THE DFW METROPLEX.
Some people think it doesn’t really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn’t like buying bread or milk. Insurance is an important safety net for a family, a car, a home, or a business. Don’t treat the purchase lightly!
There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:
Independent Insurance Agents & Brokers of America, Inc
Do you own a home in Coppell, Grapevine, Carrollton, or any other surrounding areas, but do not live in it? Your Homeowners Policy will NOT cover a home that you rent out. Be sure to secure a Dwelling Policy for any rent houses you may own. Call us today to get it started!
More than anything, we want our kids to be safe, especially when they start to drive. Talk with your teenager about making smart decisions while behind the wheel:
Some helpful web-sites to visit:
http://www.nsc.org/safety_road/TeenDriving/Pages/teen_driving.aspx
http://www.teendriversource.org/events/teen/detail/48
https://www.travelers.com/personal-insurance/auto-insurance/teen-driver/index.aspx
If you reside in Coppell, Texas and have a boat it is not possible to obtain insurance seasonally for the boat. Boat owners must purchase an annual policy and then when the boat is stored the insurance company will give a discount to the insured on their annual policy amount. The very rough average of cost for boat insurance is about $1,200 per year, with a yearly maintenance fee of about $2,500 per year. When the boat owner decides that it is time to store their boat for the winter months there is an average fee of about $1,200 to winterize the boat for storage to insure proper insurance coverage. This is a very rough figure because there are a lot of variables to consider, such as, how the boat owner wants the policy written up and what they want included in the policy.
An all risk policy covers the boat if there is damage done to the boat. If items are not mentioned in the policy then the insured can safely assume that it is covered. It is more plainly understood when one review what is not covered. The type of policy you buy will denote the rate of the policy.
Exclusions are included in most boat policies such as normal wear on the boat, gradual deterioration of the boat, elements of weather. Marine life, mold, animals, insects are not covered for damage. Some insurance companies include some forms of marine life while other companies do not. Careless wear and tear on the boat such as blistering from the sun, scratches, dents, manufacturer’s error in building of the boat, corrosion, defects by manufacturer, are not covered. While some insurance company’s do cover mechanical loses, other companies do not.
Not all insurance companies are created equal so it does pay to shop around to get the best price and purchase annual insurance coverage for your boat.
There is an insurance, independent agent in Coppell, Texas who is ready and willing to explain to business owners the technical issues of commercial building insurance. If the owner lives in or in surrounding areas of Coppell, give them a call today.
Along with owning a commercial property the owner must have insurance on the building. The business is not going to thrive without insurance. It would take one costly event and the owner could lose their business and everything that they worked so hard for. This is why it is imperative to have your commercial building protected at all times.
The independent agent will also explain that if the owner has another commercial building (s) all the buildings will fit under the protection of one policy. The business owner is not responsible for the insurance on the property if they do not own the property. This is the landlord’s responsibility.
There are three types of commercial insurance policies, Basic, Broad and Special. An insurance agent is needed to help sort out all of the unique needs of the owner to be sure that they will not lose money and the business will grow. Average rates on commercial buildings are extremely difficult to figure. This is where the independent agent in Coppell, Texas can help.
An insurance agent will evaluate the commercial property and business. If the owner is in a high risk category for filing future possible claims the monthly premiums will be higher. There are too many variables to determine the average rate on commercial building insurance. One big variable is the square footage size of the building. And, it all depends on how the building was built and with what kinds of materials.
Call your Coppell, Texas independent agent today to go over all variables for your special commercial building insurance needs and determine the lowest possible rate that will meet your unique commercial building insurance needs.
