Going on the Road This Spring? Prepare your Vehicle

If you plan to go on the road this spring, take the time to prepare your vehicle for long distance traveling. A well-maintained car is less likely to suffer breakdowns on the road. In addition to vehicle maintenance, take time to review your auto insurance policy to ensure your coverage is up to date before traveling. By contacting Paragon Independent Insurance Agency in Plano, TX, you can make whatever adjustments are necessary to protect your family.

Check Brakes and Tires

It’s always good to have a thorough car inspection before making long distance travels. Be sure your mechanic checks both tires and brakes as good tires and brake are essential to safe driving. Your tires should be checked for air pressure, tread wear and hidden punctures that could cause your tire to go flat over time. Your brakes should be in top condition and capable of handling whatever road conditions you may face during your travels.

Inspect Fluids

Have your mechanic inspect all fluids to include brake, transmission and power steering fluids as well as antifreeze. These should be topped off or replaced as needed. If you haven’t had an oil change in a while, now would be a good time to get this done as well.

Pack an Emergency Kit

An emergency kit will be invaluable if your car breaks down unexpectedly on the highway. Your kit should include such basics as flashlight, batteries, flares, spark plugs, oil, tire sealant, coolant, jumper cables and extra fuses. A fully loaded first aid kit could also come in handy when traveling with children.  

Preparing your car in advance reduces the risk of facing mechanical problems on the road. By updating your car insurance policy with Paragon Independent Insurance Agency, Plano, TX, you will have the protection you need for any eventuality as you travel. 

Time and Punishment: When to Change Your Home Insurance Policy

As time goes by, homeowners have a tendency to get comfortable in their daily routines. Most days nothing goes wrong, and it may start to feel like every day will be full of fairly predictable events. But that’s not the way life works. Over time, things can happen to your home that you may not even notice at first, or major events may occur with no notice at all. Find out more about when to change your home insurance in Plano, TX with these tips from Paragon Independent Insurance Agency. 

Shifts, Purchases, and Remodeling 

Your home is constantly changing. Foundations may shift, the mold may build up in the basement, and trees may start to lean with the weather. Or you may change your home to fit your aesthetic tastes. Whether that’s by bringing in an expensive piece of art to put in your living room or by installing recessed lighting into your kitchen ceiling, you’re improving the value of your home. Regardless of whether or not the change is for the good or the bad, you want to make sure that your policy is there to help you when you need it most. If you have expensive repairs or replacements after a storm or a vandal visits your home, do you know how you’ll pay for it all? If not, it’s time to talk to Paragon Independent Insurance Agency. 

It’s Our Job 

This is what we do to help Plano, TX stay safe. We help you change and update your insurance policy as you need to, and we make it easy to understand why you’re doing it in the first place. To find out more about our mission, give us a call today if you’re looking to get a makeover on your current policy. 

Home Appliances You Should Consider Insuring

Home insurance is more than just protecting the structure of the house. It is also about protecting what is inside. This includes appliances and technology. These are some of the more expensive items within the home and, in the event of a fire, you can’t easily pick up and run outside with. At Paragon Independent Insurance Agency, we want to make sure your Plano, TX home is properly insured, including your valuables and appliances. 

Washer and Dryer

Beyond just potential loss in a fire, washers and dryers often experience the most trouble in terms of needing repairs. From the moving parts to the electrical, gas and water connections, few appliances are susceptible to the kinds of problems as these two devices. 

New Water Heater

A water heater isn’t always extremely expensive. Your brand new television likely costs more than a traditional tank water heater. However, if you invested in a tankless water heater you not only invested into your home but you decided to go green with the purchase. A tankless water heater will save you money over time, but the upfront sticker price is high. In the event of a major electrical surge or a home fire, this is an expensive item to replace, so consider insuring it. 

Entertainment System

While not a traditional appliance, your home entertainment system may be worth thousands of dollars (if not more). These are also top targets during a break in. Due to this, consider insuring the entertainment system in your home.

Each individual is different and every home is different. At Paragon Independent Insurance Agency we know this, that is why we prefer to sit down with every home owner in order to discuss the right kind of insurance for their individual needs. Whether you live in Plano, TX or the surrounding area, you need to consider insuring these different appliances, in addition to other appliances you have invested your time and money in. 

The Truth About Auto Insurance

Auto insurance is something that many people think they know all about when in reality, many of the truths they think they believe  are actually myths. Instead of continuing to believe these auto insurance myths in Plano, TX, it is time to learn about the truth associated with auto insurance. To help you distinguish between fact and fiction, Paragon Independent Insurance Agency has compiled this lists of myths and the truths behind them. 

  • Red cars cost more to insure. This is a myth that has stopped people from purchasing red cars in the past. However, the color of the car has nothing to do with the cost of auto insurance. Insurance companies take a look at the vehicle make, model, body style, and age as well as the age, driving history, and credit history of the driver. The car color is not take into account. 
  • Older people pay more for insurance. The opposite is actually true. Older drivers tend be seen as drivers with more maturity and younger drivers end up paying more for insurance. In fact, many companies offer discounts for drivers over the age of 55. 
  • You don’t necessarily need auto insurance. Some people think they can get away from purchasing it if they stay out of accidents and avoid police. However, there is no way to really prevent these things from happening and it is always best to have a good auto insurance policy to protect you. 

Whether or not you currently have an auto insurance policy, you should reach out to Paragon Independent Insurance Agency, serving Plano, TX. They can take a look at your current policy to make sure there are no gaps in coverage. They can also get you a free quote to find the perfect auto insurance policy to meet your needs as well as fit into your budget. 

How to Know Who’s Covered: Practical Home Insurance Help

Have you ever wondered who may be covered under your insurance policy for your home in Plano, TX? We asked our Paragon Independent Insurance Agency experts about it, and here’s what we found out. We’ll share with you the following basics:

  • Family members who reside in your home are likely covered by your home insurance. The most obvious examples are your spouse and children. Other family members, such as in-laws and grandparents, also qualify if they live with you, too. And if your children are away at college, they may be able to benefit from the property and personal liability terms of your policy.
  • Tenants who are paying rent or lease in your home won’t be covered, though. If you’re renting a room or part of your home to a tenant, your homeowner’s policy still covers the whole building structure. But if your tenant wants peace of mind about their liability or belongings, they will need to purchase their own renter’s insurance policy. This type of policy will be theirs alone and separate from your home insurance policy.
  • It never hurts to ask your insurance agent if you’re not sure. If you are unsure about a certain situation being covered by your home insurance, read through your policy carefully. If anything in the terms doesn’t seem clear to you, your insurance agent will help you clarify any legal specifications to answer your questions.

If you have further questions regarding your homeowner’s insurance in Plano, TX, contact us today at Paragon Independent Insurance Agency. One click at our ‘Customer Service’ tab is all you need to get in the right direction. We can help you navigate the complex terms of your policy and help you understand how it works to your advantage.

Can Auto Insurance Save Me Money? Tips for Those in Plano

If you’re looking for different ways to save in Plano, TX, then you’ve probably looked at mutual funds, CDs and high-interest accounts. However, what if the best way to save was to invest in your auto insurance? It’s not as odd as it may sound, and Paragon Independent Insurance Agency wants you to know more.

The Accidents of Our Lives 

All of us make mistakes on the road, no matter how careful we are. Auto insurance is what can make those accidents go from one bad day to years of bills you can’t afford. When you get the bare minimum of coverage, you may be shocked at just how much money you owe if you cause major property damage or injuries to another party. That’s because there are limits on your current policy. While your monthly premium might go up should you choose to extend your limits, the total cost may pale in comparison if you don’t. Insurance companies have a difficult job in getting people to realize the risks that they take. Just because there’s a chance that you’ll never be involved in an accident, doesn’t mean you should rely on that chance when it comes to your money.

Our Mission

Paragon Independent Insurance Agency has the staff who can help you think long-term. We know how valuable our services can be because we see it every day. There is a stark difference between someone who has prepared for the worst and someone who signed up for the least expensive policy. Our agency is devoted to helping the people of Plano, TX get exactly what they need when they need it. If you have questions about how we can help or about our rates, then give us a call today.

Buying a Home in Plano, TX

According to Zillow, the Plano, TX housing market is hot right now – and not because of the weather.  The average home price is $314,900, and the housing market, in general, is considered very healthy with a score of ten out of ten. This is a good time to upgrade to the house of your dreams by selling an existing property, moving to the area and purchasing a home, or simply making the transition from renting to owing in Plano, TX.

Reasons to Live in Plano, TX

According to Texas Five Star Realty, Plano is a great place to live.  In 2013, Plano was ranked as the best place to live in the US by Area Vibes.  And it was ranked the best place to live in the Western United States by CNNMoney Magazine for the years 2005, 2006, 2011.  The other years, Plano has been letting some other cities have a turn at number one, but for residents of this Lonestar city, it will always be numero uno.  What else makes Plano a great place to live is that is it one of the safest places to live in the United States.  It has an AAA credit score and has been considered one of the best housing markets in the country since 2012.

Homeowner’s Insurance from Paragon Independent Insurance Agency

If you plan on investing in real estate in Plano or are looking to save money on an existing homeowner’s policy, Paragon Independent Insurance Agency can assist you.  Our highly trained professional insurance agents know how to help you choose the right policy for your Plano property at a reasonable price. Call us today at 972-473-4813 to speak with an agent.

Auto Insurance Coverage Texas

In the Lone Star State, auto liability insurance is the minimum indemnity that a driver can carry on a vehicle. Texas State Department of Motor Vehicles (DMV) requires that all insurance companies and their customers register their agreements with the department. Auto insurance registration with the DMV evidence “financial responsibility”, or the duty of a driver to compensatory damages in the case of an ‘at-fault’ accident.

Auto Insurance in Texas

Texas is a ‘fault’ state where auto accident insurance agreements are concerned. When involved in an auto accident, the responsible party in the collision must pay for injury to another person or property damage should it occur. Liability insurance provides minimum compensation on medical and hospital bills, as well as lost wages and ongoing costs associated with injury rehabilitation to a victim. Texas law provides that auto liability insurance policies meet the minimum mandated coverage amounts of $30,000 for injuries to a single person, $60,000 for injuries to multiple injury parties, and $25,000 for vehicle or property damage.

Comprehensive Collision Coverage

Vehicle owners were owing installment agreement payments on an auto loan are required to back those contracts with comprehensive collision auto insurance coverage. Damages caused by auto accident, or resulting from natural disasters or theft and vandalism, are covered in a collision insurance policy. Comprehensive insurance covers the full value of a vehicle so that a car can be repaired or replaced.

Supplemental Insurance Agreements

Texas drivers also have supplemental coverage products available to them. Personal injury car insurance protection (PIP) plans offer cover the full cost of a driver and passenger expenses in the event of an accident. Uninsured or underinsured motorist supplements protect an insured victim in a hit-and-run accident.

For auto insurance coverage in Texas, contact a licensed insurance broker with Paragon Independent Insurance Agency in Plano, TX.

Common Home Insurance Concerns

Home insurance is something that can be a great boon for anyone dealing with damage from natural disaster, theft, or other issues but many people have no idea what type of coverage they need. Each geographical location has different concerns when it comes to what type of insurance you need. For those in Plano, TX for instance, flood insurance is not likely to be something you would need.

One very common concern for home insurance is what coverage do you really need and what coverage can you do without. As a general rule, most basic home insurance policies cover things like fire, break-ins, and other damage that is associated by what agencies deem “acts of God” or events that could not have been prevented like a tree falling on your home as the result of a wind storm or your home being flattened by a tornado.

This type of insurance policy is going to cover the basics and is going to keep you safe. Other things that a basic policy might cover that you could be concerned about  are things like people being injured on your property and helping to cover their medical bills. Again, most policies are going to cover a certain monetary value to help with bills.

Some other concerns you might have are is your coverage enough. The best way to remedy this issue is to talk with your agent to see what type of policy you may need and to have your home properly valued so that you can rebuild should you choose to in the case of a disaster. Your home insurance is in place to help protect your home and your own finances in the case of the destruction of your home. Taking into consideration your geographic location, like those in Plano, TX can help you determine what coverage you need.

Does Your Teen Driver Have an Accident Kit in the Trunk?

You did it! You have successfully raised a child in Plano, TX to the point they earned their driver’s license! While you are confident they are using their turn signals and seatbelts, are they really prepared to handle an accident that happens on a rural road far from assistance? Paragon Independent Insurance Agency offers up this handy list to create an accident kit and ensure your child is really ready to hit the highway without you.

  • Spare Tire or Fix-a-flat Kit: Even new cars can suffer a flat tire anywhere at anytime. Take the time to change a tire with your child, showing them how to jack up the car and use the lug wrench. Perhaps they only have a can of fix-a-flat. It still helps to know what to do before they are broke down on the edge of the interstate.
  • Collapsible Shovel:  Even a small shovel can help them dig free from a ditch or muddy bog, empowering them to help themselves.
  • Roadside Assistance Card: Having a phone number pre-programmed into their cell phone with the card left in the glove box ensures they can get a jump or a tow in the middle of the night without wondering what to do or who to turn to.
  • Flashlight/Flares: Help them stay visible even if the hazards might not be working.
  • Insurance Car and Camera: In case of an accident, make sure they have their contact information in the vehicle. Also encourage them to take pics with their phone or digital camera to document damage without relying on law enforcement to make the right call.

Paragon Independent Insurance Agency looks forward to helping your family provide all the protection your new teen driver needs when tackling the busy roads of Plano, TX.