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  • commercial vehicle insurance plano Arthur Blake distillery insurance program

5 Reasons Why Commercial Vehicle Insurance Is Essential

Using commercial vehicles for your business is a great asset to have. It can allow you to transport materials, travel to events, or deliver items, so it’s essential that your commercial vehicle be insured. We’re going to discuss the top 5 reasons why commercial vehicle insurance is essential.  1. Liability Coverage If you were to get in a wreck in your commercial vehicle, there wouldn’t only be damage to the vehicle but possibly to property and valuables as well. By utilizing commercial vehicle insurance, you will have a range of protection if or when you damage another’s valuables in an accident.  2. Physical Damage and Collision Protection In the case of an accident, you or your employees may need to pay for damage to their vehicles and others involved in the wreck. Insurance can reimburse policyholders for the costs of those repairs no matter who was at fault.  3. Medical Payment and Lawsuit Coverage If a wreck is severe enough, bodily harm can be done to those involved, which can be costly to endure. With commercial vehicle insurance, you can receive assistance in paying for medical costs, lost wages, and even legal fees if you should incur any.  4. Comprehensive... Read more
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  • RV insurance commercial insurance plano tx

The Differences Between RV and Auto Insurance

One of the biggest mistakes that RV owners frequently make is assuming their auto insurance coverage extends to their RV. Do not make this mistake! RVs are not just cars; they are essentially a home on wheels. So, the unique function of RVs means they need a unique form of insurance. What is RV Insurance? Recreational vehicle insurance is almost a hybrid between home and auto insurance because that is essentially what an RV is. Since RVs are so large, they are more likely to cause severe accidents than a standard sedan. So, RV coverage provides owners with a higher amount of liability coverage to account for the increased risk of operating an RV. Another important aspect of RV insurance is it covers all the personal items in the RV that you brought with you on your trip. Typically, homeowners insurance does not cover all these items while they are away from your home, and auto insurance will certainly not cover all of it. Like auto insurance, RV insurance is required to finance or rent an RV. The state of Texas also requires anyone who owns a recreational vehicle to have recreational vehicle insurance. Vehicle Classes and Insurance Your RV’s class plays... Read more
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  • Auto rates rising Arthur Blake plano insurance agents

Why Do Auto Insurance Rates Keep Rising?

Car insurance should be simple, right? You drive safe, you avoid traffic violations, you choose a reliable car, and your premiums should stay where they are, or even go down. That’s what the commercials from all the big-name insurance companies like to say. Yet year after year, drivers with squeaky clean records still find their premiums going up, sometimes significantly. So what gives? Unfortunately, there are a number of factors influencing car insurance premiums which anyone driver can’t control. While your personal driving record will always play a major role in what you pay, systemic factors such as how many drivers are on the road, average road speeds, and even the health of the economy may see you paying more at year’s end. Here are a few reasons that your auto insurance premiums may rise no matter what you do: 1. A Strong Economy Means Busier Roads What’s good for the country overall may not be good for your insurance premiums. As the nation’s economy strengthens, more and more of those who previously relied on public transportation are choosing to take their own cars instead. Meanwhile, low gas prices see even more drivers hitting the road and driving more miles... Read more
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  • Lower car insurance Arthur Blake

Lower Your Car Insurance Premiums

If you’re a driver, then the burden of rising car insurance premiums can seem as inevitable as death and taxes. True enough, the cost of car insurance is mostly a one-way street, with premiums steadily increasing over the long game as cars get more expensive and fewer and fewer new drivers enter the pool. Still, there are loads of opportunities for you to reduce future increases or even drop your premiums right away. Here are some actionable ideas for cutting your car insurance costs: Talk to Your Provider Funnily enough, the most obvious step to take is the one most often overlooked. Contact your insurance provider and plainly ask them about reducing your premiums. A good agent will be able to present you with the full range of options and opportunities for lowering your costs. They’ll clue you into discount programs, bundle options, or safe driver benefits that may not have fit your needs or profile when you chose your policy. They may not have even existed. And as anyone who’s ever tried to cancel a cable subscription could tell you, big companies rarely go out of their way to tell their customers about new ways to save money. You... Read more