Tri-Star Insurance Prof. Inc in Dallas-Fort Worth-Plano, TX

Did you see Roger Harkins in the Plano Star Courier?

  

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Roger Harkins of Tri-Star Insurance Professionals was in a photo in the Plano Star Courier on Thursday December 16th 2010. The news paper featuredan article about Servpro of Plano and included a photo of Roger Harkins of Tri-Star Insurance Professionals speaking with Judy Groening of ServPro of Plano. Tri-Star and many of the staff members have worked many years with ServPro of Plano. ServPro has helped many of our customers who required cleanup and restoration services after a water damage or fire claim. I have also worked both personally and business with the owners of ServPro of Plano, John and Kim Beres, and they are a first class team. At Tri-Star we strive to refer partners with the same integrity and passion to serve it's customers and ServPro consistently delivers superior service.Click this link to download a copy of the article Roger Harkins & Servpro of Plano

 Call Tri-Star today for a review of your current coverages to see if you have the proper coverage in the event you have a water damage claim. Many policies issued in Texas have limited water damage coverage. What will your policy do?

Call us today at 214-387-0600 or email John Coyle at jcoyle@tristarins.com

11 Ways to Save Money on Car Insurance !

  

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How to Get the Most for Your Money: 

11 Ways to Save Money on Your Car Insurance...

So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways – at least 11 – that you can save money. Many of these money-saving ideas may apply to you.

1. One Insurer, Multiple Policies – Do you have a homeowners or renters insurance policy? If so, is it with the same insurance company that provides your auto insurance? If the answer is no, you’re paying too much – for both policies. Almost every insurance company that sells auto insurance wants its policyholders to also buy homeowners or renters insurance from that company.
   
   These insurers offer so-called multi-policy discounts. Usually, these discounts are at least 10% and some insurers apply the discounts to both the auto and the homeowners/renters policy.
   
   Tip.  Talk to your agent about multi-policy discounts.
2. Good Driver, Good Price – It’s no secret that the better your driving record, the less you will pay for auto insurance. But did you know that most people qualify as “good drivers” and are eligible for discounted premiums? Some good drivers pay a lot more than others, however.
   
   Many auto insurers are actually a collection of several insurance companies in which each caters to a certain type of driver. The worst drivers go in one company, the best in another, and a lot of people wind up in one of the middle companies.
   
   These middle people pay less than the worst drivers, but more than the best. The thing is, many of these middle people have driving records that are just as good as those who are insured by the companies that offer the lowest rates. Yet these middle people are paying more. Why?
   
   The usual reason is that they don’t know any better. No one told them which insurance company in the group had the best prices. And, odds are, no one even told them there was a group of insurance companies. If you have a spotless driving record, there’s no reason you shouldn’t be paying the lowest price a group of insurance companies has to offer.
   
   * Tip.  Make sure you’re getting the best discount for your driving record.  Talk to your agent.  And remember, be a safe driver.  It will save you money.
3. The Beauty of the Bus (or Other Mass Transit) – Do you drive to and from work? If you do, you are literally paying a premium to do so. Insurance companies charge you significantly higher premiums if you drive to work. And, the longer your commute (in miles, not minutes), the higher the premium.
   
   * Tip.   Some drivers should consider mass transit. Yes, there’s a price there, too. But you will reap the savings of gas and lower insurance costs.
4. Low Mileage, Low Price – On average, people drive 1,000 to 1,250 miles a month. That is what insurance companies consider average use.
   
   * Tip.   If you drive less than the average, you could be eligible for low-mileage discounts, which some insurers offer.
5. High-Profile, High-Cost – The type of car you drive is a major factor in what you pay for insurance. Is your vehicle a magnet for thieves? Is it more expensive to repair than most cars? If the answer to either of the last two questions is yes, you’re paying more than the average car owner for insurance.
   
   * Note.  To get detailed information on your vehicle(s) – or a vehicle you’re thinking of buying – write to the Insurance Institute for Highway Safety at 1005 North Glebe Rd., Arlington, VA 22201 and ask for the “Highway Loss Data Chart.”
6. Raise Your Deductible – The deductible is the amount you pay before insurance kicks in if you have a claim. For example, if you have a $250 deductible and you have an accident in which your car sustains $1,000 in damage, you pay the first $250 and your insurer pays the balance, $750. The lower the deductible you choose, the more you pay in premiums. If you have assets, you can probably afford to absorb at least $250 - $500 if you have a claim.
   
   * Tip.  If it’s been years since you’ve had an accident, you may be better off raising your deductible and paying less each year for insurance.
7. Drop Unnecessary Coverages – Let’s say you have an older car, one not worth very much. There’s really little point in having collision and comprehensive coverages. You don’t have much to protect. Remember, too, that you have to subtract your deductible from any potential payout you might get.
   
   * Tip.  As a general rule, any car worth less than $1,000 shouldn’t have collision and comprehensive coverage. Between the deductible and the extra expense of these coverages, the cost is probably greater than the benefit. How much is your car worth? An auto dealer can tell you, or there are plenty of books that have values of vehicles going back many, many years.
8. Discounts, Discounts, Discounts – Auto insurance companies offer several discounts for a variety of reasons. The car has automatic seat beats, air bags, anti-lock brakes, anti-theft devices, etc. The driver is a good student, which is especially valuable if you have teenage children who will be on your policy.
   * Tip.  Make sure you are taking advantage of all the discounts available to you!
9. Taking the Defensive – Many insurance companies also offer discounts to those who have recently taken defensive driving courses.
10. Low-Cost and High-Cost Areas – Are you planning to move? If you are, you should take into account the cost of insurance. Generally, the more urban the area, the higher the premium. The costs can vary even within a community.
    
    * Fact.  Rates can vary greatly from state to state. If you’re living in New Jersey, Massachusetts or Hawaii, you’re paying several times more, on average, than you might in North Dakota, South Dakota or Idaho.
11. Credit Where Credit Is (Or Is Not) Due – Is your credit record better than your driving record? If you have a good credit record, you could be eligible for discounted premiums from several auto insurance companies.

* Fact. Many insurers now use your credit history as a major factor in determining what to charge you for auto insurance. In some cases, with some companies, you could save money by shifting your business to an insurer that uses credit as a rating factor – even if you have a so-so or poor driving record. There is another side to this coin. If you have a poor credit history, you could save money by moving your auto insurance to a company that does not use credit as a rating factor. Many insurers do not use credit as a factor.

* Tip.  Regardless of your credit status, you should talk to your agent to make sure you have the best situation given your credit record, good or bad.

See all our Free Reports at our Protect You Better Website. Click on the Protect you Better button.

For more information, Please contact John Coyle at 214-387-0600 or email jcoyle@tristarins.com

Allstate & Farmers increasing rates again, Dallas Morning News 12/15

  

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Dallas Morning Newspaper ran an article on 12/15/2010 by Terrence Stutz about the notification sent by Allstate Insurance to the Texas Department of Insurance of their plan to increase Homeower insurance rates in Texas by 5.4 to 9.7 percent. Alex Winslow of Texas Watch said "Here we go again,""It seems like every time one of the major insurance carriers raises rates, they all raise rates." Farmers Insurance announced an increase last month.

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Dallas Morning News article published 12/15/2010

Tri-Star Insurance Professionals, Inc. is a Independent Insurance Agency. One of the unique benefits of being a customer of Tri-Star Insurance is that your account can be shopped with many of the most respected carriers when rates start to change.

Independent agencies work for you, the client, not the insurance carrier.

Tri-Star insurance offers many options for clients to consider to customize coverage's so you know your getting the coverage's that are right for you and at the best pricing.

Call us 214-387-0600 or go on line to see if how we can help you better manage your insurance portfolio. If better coverage's at lower costs sound good to you, Call us Today!

 Posted by John Coyle, Commercial Lines Manager. John Can be reached by phone at 214-387-0600 ext 102 or by email at jcoyle@tristarins.com 

Tri-Star Insurance Professionals "Your Independent Agency"

  

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Tri-Star Insurance Professionals, Inc agency in Plano, Texas is "Your Preferred Independent Insurance Agency."

We represent several insurance companies, not just one. We can shop the market to find you the Best Coverage's at the Best price for you and your family.

Call us today for your free quotes!

214-387-0600