Archive for February 2015

Don’t Miss Out On The Kite Festival!

Don’t Miss Out On The Kite Festival!

ABC Zilker Kite Festival

As February comes to an end, it is the perfect time to look for fun, family friendly events in the local area. Make sure to mark your calendar for the 86th Annual ABC Zilker Kite Festival on March 1st!

The Kite Festival is the perfect way to kick off spring and is fun for people of all ages. The event is taking place at the beautiful Zilker Park in Central Austin, and is free for everyone to attend. All the proceeds from the event help to benefit Community In Schools of Central Texas.

Even though the Kite Festival is always free, for a small donation, you can enjoy extra perks at The Maudie’s Kite Fest Breakfast. A ticket for the Maudie’s Kite Fest Breakfast allows you to get VIP parking in Zilker Park, hot coffee provided by Wanderlust Coffee Truck, a catered hot breakfast provided by Austin’s Maudie’s Tex-Mex, a collectible official Kite Fest kite, a swag bag filled with a cap, shirt, and samples, early access to the park, and much more. The delicious breakfast that is offered by Maudie’s Tex-Mex gives you a choice of two tacos or one taco and one pancake. CLIF Bar, ABC Home & Commercial Services, and Culver’s will be providing all the swag bags.

If it rains on the day of the event, all the fun and festivities will be moved to March 8th.

All of us at the Insurance Agency of Dean Davis in Austin, Texas would like to invite you and your family out to enjoy all the excitement of the ABC Zilker Kite Festival!

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How Much Fleet Insurance Do You Need?

How Much Fleet Insurance Do You Need?

Commercial Auto Insurance Minimums

If you have any number of company vehicles, you need to invest in a commercial auto insurance policy, also known as a fleet insurance policy. Just like most states have a minimum amount of coverage required for your personal auto insurance, there is also a minimum amount of coverage needed for your commercial auto insurance policy. Investing in the minimum amount of coverage needed can help to ensure that you and your employees stay safe while on the road.

If you are only looking for the minimum amount of coverage for your company cars, you may have a hard time finding a policy. Many insurance providers will not write a policy that only covers the minimum amount because they take on an increased risk when insuring company cars. While you may have to pay a little extra for your commercial auto insurance policy, it simply means that you have added protection.

Unlike personal auto insurance policies, typical commercial auto insurance policies have a combined single limit. This means that instead of separating liability coverage into personal injury and property damage, it is combined into one limit. These coverage limits typically range from around $500,000 to millions of dollars.

The cost of a commercial auto insurance policy will depend on many factors, including how your vehicles are used and the nature of your business. One of the best ways to help save money on your rates is to compare policies. Working with an independent insurance agent will help to make the process of comparing policies much easier.

For all of your commercial insurance needs, contact the insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas. As an independent insurance agency, we will work with you to ensure that you have the right amount of coverage, all at the right price.

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Who Needs High Risk Auto Insurance?

Who Needs High Risk Auto Insurance?

High Risk Insurance Basics

Most people on the road, especially if they have been driving for a long time, have had some type of ticket. However, there are also those drivers who have had multiple or more serious tickets, which can lead to very high insurance rates. High-risk insurance, also known as non-standard insurance, is meant to provide coverage for those drivers who have had multiple run-ins with the law.

There are many situations in which you can be considered a high-risk driver to your auto insurance carrier, including:

  • If your license has been revoked or suspended and you require an SR-22 in order to reinstate it. If you need an SR-22 to get back on the road, the Registry of Motor Vehicles will notify you.
  • If you are 70 years old or older. Some insurance companies will view entering into your golden years as also making you a high-risk driver.
  • If you are 20 years old or younger. Statistics have shown that people who are 20 years old or younger are more likely to get a traffic ticket or be involved in an accident, making you a much higher risk to your insurance company.
  • If you have a past history of violations or auto accidents. The more points you have on your record due to past tickets or accidents can cause higher rates for your auto insurance.
  • If you have been convicted of a DUI or DWI. Being convicted of a DUI or DWI can lead to serious hikes on your auto insurance, while also qualifying you for high-risk insurance.

For all of your auto insurance needs and to ensure that you are properly protected while on the road, contact the insurance experts at the Insurance Agency of Dean Davis in Austin, Texas. We will work with you, no matter your past driving record to ensure that you have the right amount of coverage.

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Should You Always File An Insurance Claim?

Should You Always File An Insurance Claim?

When You Should File a Claim

You invest in homeowners insurance to ensure that your home is protected from any peril. However, making a claim for any damage may not be in your best interest. Filing a claim, even if it is small or not your fault can cause serious premium hikes for your home insurance.

No matter who is at fault for an accident or the size of the claim, any claim that you make with your home insurance company can lead to increased rates. There are many circumstances that are taken into consideration when your insurance company is deciding on the cost of your policy, including your credit rating, number of claims you have made in the past, and the frequency of natural disasters in your area.

Keep in mind that while any claim can possibly lead to rate hikes, not every claim has the same affect. More serious claims, such as dog bites, water damage, and mold claims will lead to much higher premium increases than less severe claims.

When deciding if you should file a claim, there are many factors to consider. Look into your policy to see if they offer claims forgiveness. Keep in mind that not every company will forgive the same claims, so if you switched companies, make sure to double check before you make a claim. If there is only minor damage to your home, such as a few shingles that blew off in heavy winds, you will probably be better off repairing it yourself. Large issues, such as if your roof completely caves in, should always be reported.

For all of your homeowners insurance needs and to ensure that you are properly protected, contact the insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas. We will work with you so that you have the right amount of coverage, all at the right price.

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