Archive for April 2014

Who needs commercial auto insurance?

Commercial auto insurance is a necessity if your business has even one employee driven vehicle. Making sure you have the proper insurance can save you thousands of dollars on accidents and possible insurance fraud.

If you are in need of a fleet insurance auto policy, you must have a company listed as the owner of all vehicles, whether it is a corporation or a sole proprietor. Fleet insurance may be used to insure hundreds of moving trucks your company owns, or the single vehicle that your company uses for the occasional delivery.

Most companies run into problems with their insurance agency when an accident happens while an employee whose name is not on the insurance policy is driving. Many insurance companies view allowing employees who are not listed on the insurance policy to a drive company vehicles as fraud.

Commercial auto insurance differs from personal auto insurance in that it does not cover items in the vehicle. If your company cars are full of company materials, such as tools or products, it is a good idea to also purchase liability insurance. Make sure to buy the proper amount of liability insurance to cover your vehicles in the event of damage, loss, or theft.

The easiest way to save money when purchasing commercial auto insurance is to hire drivers with clean, safe driving records. Having just one bad driver on your insurance can raise you premiums by as much as 10%. Many companies also offer discounts when GPS devices are installed in vehicles. GPS devices are a fairly cheap way to bring down insurance costs and it can also help you keep track of your drivers while they are out. Always make sure to update and change your policy as often as necessary to protect yourself from any potential problems.

The Insurance Agency of Dean Davis, based in Austin, Texas, offers commercial insurance for your company. They also offer home, auto, and life insurance policies to fit your lifestyle.

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Protecting your home while on vacation

Going on vacation is an exciting time for you and your family. Unfortunately, it can also be an exciting time for burglars with the opportunity to break into your empty house. Protecting your house when you are away on vacation is much easier than you may think. A few simple steps could keep your house and belongings safe while you are on vacation.

The most important step you can take to protecting your home while you are away is to make it look occupied. Leave lights on or connect certain indoor lights to a timer so they come on when it gets dark. Ask a neighbor or friend to collect any mail or deliveries, or arrange with the Post Office to hold your mail while you are away so that they don’t pile up. If you are going to be away for an extended period of time, arrange for your lawn to be mowed so it does not get overgrown.

When it comes to locks, don’t be frugal. Spending a little extra money on locks can help add a lot of security to your house. When investing in locks, don’t only think about your front and back door. Make sure to check your windows and sliding glass doors. Sliding glass doors are one of the most vulnerable areas of the house, so make sure to get a special lock to make your home more secure.

Make sure to keep any valuable items away from windows, or close the blinds when you leave the house. Any large outdoor items, such as motorcycles or lawnmowers should always be stored in locked sheds or garages.

Making a detailed list of items in your house that includes the original sale date, price, and serial numbers can protect your valuables in case of a break in . Also make a video record of any family heirlooms and antiques.

If you need any help protecting your home from intruders, or help making an inventory of items, contact the Insurance Agency of Dean Davis, located in Austin, Texas. They provide plans for your auto, personal, commercial, and home insurance needs.

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Autism Awareness Month

April is National Autism Awareness Month and it is a great time to learn more about this developmental disability. The month of awareness is celebrated around the United States and has plenty of ways to get involved.

National Autism Awareness Month was started in the 1970s as a way to highlight the growing need for concern about autism. It is celebrated in many ways at many different levels in the country. There are special Presidential and Congressional Declarations that are given during the month. At a more local level, there are many online events and activities and local activities through affiliates of the Autism Society. If your community does not offer any special events during National Autism Awareness Month, make your own! There are plenty of ways to get involved with the cause and open partnership opportunities with the Autism Society.

One of the simplest ways to get involved is to place that National Autism Awareness Ribbon on your car, Facebook, or wearing it around town. The ribbon is one of the most recognizable symbols for autism with its unique, colorful puzzle piece design. With one in every 68 children in America diagnosed with autism, showing your support with the ribbon is a great way to educate people about the disability.

If you are looking for an event in your area, AMC theaters partnered up the Autism Society to put on Sensory Friendly Films every month. These events offer unique environments where guests are welcome to sing, walk, dance, or shout along with the movies. Everyone is invited to enjoy this comfortable movie experience every movie. The Barton Creek 14 Theater in the Austin, Texas area is one of the participating theaters.

Dean Davis Insurance, located in Austin, Texas, encourages you to find ways to get involved during Autism Awareness Month. The insurance of Dean Davis offers policies for your home, auto, commercial, and life.

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The 2015 Open Enrollment Period for the Health Insurance Marketplace

Already have your individual health insurance set for 2014, but you’re interested in changing over to an Affordable Care Act plan from the health insurance marketplace in 2015? The open enrollment period for next year starts November 15th, 2014 and remains open until February 15th, 2015. While you have some time to wait before enrollment is available again, this gives you plenty of time to compare and contrast the different plans. 

One of the benefits of purchasing health insurance through this marketplace is the varying plan levels that adjust the premiums and deductibles so it’s easier to find numbers that work for you and your family. While individual health insurance is tied to the enrollment period, small group health insurance for businesses is not. A business has the option of enrolling into a group plan for its employees at any time during the year. 

Learn more about health insurance plans in Texas by contacting the health insurance experts, onlinehealthexchange.com, working with the Insurance Agency of Dean Davis, based out of Austin. 

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The Dirty Dozen: 12 Factors That Increase Your Premiums

If you’re in the market for life insurance you should be aware that some health conditions and certain lifestyle choices may determine how much your premiums will be. The following dozen factors may increase your premiums.

  1. Smoking and tobacco use
  2. Being overweight
  3. Substance abuse
  4. Having a high-risk job
  5. Participating in dangerous hobbies
  6. Your driving record
  7. Cancer is certain to guarantee you higher premiums and may prevent you from obtaining coverage at all.
  8. Diabetes.  Both type 1 and 2 will increase premiums, though people diagnosed with type 2 won’t be hit as hard.
  9. Heart Disease and risks associated with it such as high blood pressure and high cholesterol.
  10. Asthma sufferers whose condition is serious enough to warrant long-term steroid use.
  11. Depression
  12. Family history will also be taken into consideration.  Insurers are looking for immediate family members with serious, hereditary health conditions that put you at a higher risk of early death.

For more information about factors that may increase life insurance premiums or to speak to an agent about obtaining life insurance, contact the Insurance Agency of Dean Davis located in Austin, Texas.

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Tips For Spring Cleaning And Home Maintenance

Now that the temperatures are finally becoming more Spring-like, people are getting in the frame of mind to do all those Spring cleaning and home maintenance chores that have piled up all winter. Here are a few ideas you may not think of when it comes to your Spring cleaning and maintenance routine:

  • Hose off sidewalks, porches, steps and driveways to rinse away the debris and deposits left by winter. Doing this can reveal damage that needs to be repaired.
  • As you do your Spring cleaning, do a home inventory of your valuables. Not only is this important to update for the police if a burglary takes place, but may be important for your homeowners insurance as well.
  • Go over your property to remove limbs and trash that may have accumulated over the winter. These can pose a fire hazard or be physically hazardous to people and pets.
  • Visually inspect your roof and the sides of your house for possible damage. Having repairs made now may prevent water damage later.

Now is also a great time to update your homeowners insurance. Laws may have changed, your tax evaluation may have changed and the schedule list for your valuables may have changed, which may impact your homeowners policy. If you’re in the Austin, Texas area, working with a great insurance company like the Insurance Agency of Dean Davis can save you a lot of money on your homeowners insurance. Give them a call today and get a quote on updating your homeowners policy for Spring.

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Budgeting for Gas for Spring Break Trips

Aahhh, it’s that time again… time to pack up the whole family and head out toward a warmer climate for some fun and relaxation over spring break. But while you’re calculating the cost of your actual stay, plan ahead for the actual road trip itself. That way, the road trip will remain more enjoyable and you’ll be able to remain within budget.

Before the trip begins, check out sites like AAA’s Fuel Cost Calculator which gives an estimate of both the amount of gas you’ll need for your trip as well as its cost. You should schedule vehicle maintenance, having technicians check tire pressure, replace air filters and perform a tune-up–all of which can negatively impact your fuel economy if left undone.

Now that you’re aware of the total mileage associated with your trip, download the Fuel Finder App by Bottle Rocket. It’s available for both iPhone and Android devices and will help you locate the least expensive gas available along your route.

The United States Department of Energy recommends maintaining the speed limit, especially on the highway; it’s not only safer, it also boosts fuel economy up to 10 percent.

The Insurance Agency of Dean Davis has assisted drivers and their families in Austin, Texas since 1969. For a no-obligation quote on auto insurance, contact the professionals at Dean Davis today!

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