No auto insurance company in Coppell, Texas can backdate a client’s auto insurance policy. Backdating an auto insurance policy means that the insurance agent will put a date on the client’s policy that is earlier then the date that the policy actually took effect.

The agent is attesting to the fact the client had insurance when they did not and this is illegal and considered insurance fraud. The reason that auto insurance policies cannot be back dated is because if there was an accident within the period the back dating took effect the company will have to pay. If there were extenuating circumstance the agent and their company could be in serious trouble. It does not matter if the client lives in Coppell, Texas or Timbuktu, back dating vehicle insurance is risky business, and no honest and upright insurance company would practice back dating.

If a driver cannot afford their premium when due, or just forgot to pay their premium, the insurance company can legally reinstate the policy, however the client will now have two payments due. This reinstatement must take place within a 30 day window of time. There cannot be any claims during this time. Many times the insurance company may make the client sign a waiver that there were no accidents during this time without automobile insurance.

If a driver is stopped by the police, and is found to be uninsured there is generally a large fine and it is possible that the person will have to go to jail. Some states have stiffer penalties such as suspension of registration and driver’s license. If one does have a lapse in insurance the driver could get a penalty for the time they drove without insurance.

Occasionally, it may be necessary to exclude someone from your insurance policy. The reasons you may do this are numerous. The main reason you would do this is if you have a family member who has had a large number of crashes, or for whatever reason has a difficult time getting affordable car insurance. Simply by having them able to drive on your policy, you could find that your rates rise, making insurance a burden. Additionally, your insurance company may not want to allow you to have a driver who has a record of DUI’s or at-fault crashes on your policy.

Whatever the reason you have for excluding someone from your policy, it’s important to know the details behind it. When you go about this process, you will likely want to talk to your agent directly, instead of working with an automated system. For instance, if you lived in Coppell, Texas, you may want to go to your agency in town, instead of calling a toll-free number. The insurance process is complex at times and dealing with a real person will make this much easier.

Your agent will likely explain more about how excluding someone works. Basically, you will be providing this person’s name and information and then even if they are driving your car that is insured, it will be as if they were driving without insurance. Because of this, it is important to talk this over with the excluded individual and make sure they understand they are not covered any longer.

It’s unfortunate when it becomes necessary to exclude someone from your policy, but at times it can save you hundreds of dollars or may be the only way that you qualify for insurance at all. If you have further questions about the process, don’t hesitate to ask your local agent in Coppell, or even compare rates with other companies. You may be able to avoid the exclusion process if you find a more compatible insurance program.

You’re surprised to learn that your car insurance rates have risen. You’re not looking forward to paying the higher bill, and you have questions for your insurer. You should know, though, that it’s not unusual for the cost of an auto insurance policy to rise or fall. In fact, there are many reasons car insurance rates to change.

Car insurance rates vary by area. If you’ve moved to a new community in Texas, then, your rates might rise or fall. Even if you move to a new neighborhood in Coppell, the same may happen. That’s because certain zip codes have less crime and fewer auto thefts or break-ins. Insurers charge you less for living in a safer area of Coppell because they have less risk of paying to repair a broken window that your car suffered during an auto break-in.

Your insurance rates will definitely change — rising sometimes dramatically — if you are given a speeding ticket or involved in an auto accident. It is the general policy of insurance companies to reward motorists with clean driving records with lower rates. Drivers with speeding tickets and accidents on their records, though, will pay more because insurance companies view them as riskier drivers more likely to cause them to have make a significant payout in the future.

Then there are family matters to consider. Once your children begin driving on your auto insurance, your rates will jump, often dramatically. As these children age, your rates will slowly fall. And once they leave your insurance and begin paying for their own auto insurance policy, your rates will again take a dip.

Insurance rates, then, are not set in stone. They rise and fall according to a whole host of factors. If you do have questions about your car insurance rates, call your local insurance agent. This professional can provide you with several reasons car insurance rates to change.

There are no two ways about it: summer heat in Texas is brutal and long lasting. It doesn’t just take a toll on people, gardens, livestock and crops; it also stresses the vehicles people drive. As a driver, you need to learn ways to prepare your car for extreme heat. Simple tasks that are performed regularly contribute greatly to the safety of drivers and passengers, the safety of the car, and also help to extend the life of the vehicle. By taking the time to check over your car each week, you may be able to save a huge amount of money on unavoidable car repairs. You will have great peace of mind in knowing that you and your passengers will be safe wherever you are traveling in the brutal heat. Maintain Optimal Fluid Levels in Your Car The North Texas Tollway Association has recommendations for drivers as to ways to prepare their cars for the sweltering summer heat that is so prevalent in Texas. Proper fluid levels will ensure the proper functioning of the car’s engine and other systems. Check the oil, transmission fluid, power-steering fluid, brake and windshield wiper fluid, and the antifreeze and coolant. The cooling system is important for passenger comfort. Don’t Let Car Overheat The leading cause of car breakdowns during the hot Texas summer is overheated cars. Drivers can easily prevent this problem and avoid being stranded in potentially life-threatening situations by making sure that the car’s anti-freeze is refreshed (even though you rarely use it.) Also make sure that the radiator always has plenty of coolant. That helps to reduce the engine temperature and ensures that any leaks are tightly sealed. Check Air Conditioning System AAA recommends that drivers have a certified technician check their car’s air conditioning system. If the air conditioning isn’t working well, that could easily be an indication of low refrigerant. Some vehicles have cabin filters that prevent outside debris from entering the ventilation system. Replacing the cabin filter can sometimes improve the quality of air flow and cooling so passengers are more comfortable. Use Higher Quality Oil Switching to high-performance synthetic motor oil is another effective way to reduce engine heat because the heat is dispersed faster. Examine Belts and Hoses Inspecting belts and hoses is just as important as adjusting car fluid levels. Cracked belts or worn out hoses also contribute to engine overheating. A cracked belt is easily recognizable because it is either unusually soft or hard. Check hose clamps to ensure that they are tight, and make sure that there is no corrosion or cracking at the ends. To be on the safe side, carry a kit filled with spare belts and hoses in your vehicle so that you can replace them as necessary. Extreme heat stresses these parts of the car, causing all sorts of damage. Inflate Tires Regularly Cars that have properly inflated tires get better gas mileage. When tires aren’t properly inflated, they are much more susceptible to blow-outs, and blown out tires on highways present a dangerous situation for you and other drivers around you. A sticker on the door jamb on the driver’s side of the car will indicate the proper tire pressure. Make sure that you also have a fully inflated spare tire. It is also a good idea, as suggested by AAA, for drivers to keep a fully stocked emergency kit in their cars. Stock car emergency kits with plenty of water, non-perishable food, flashlights and extra batteries, jumper cables, an emergency beacon or road flares, hand tools, a tire jack, and a fully equipped first aid kit. Know where the emergency and rest stops are along highways.