4 Hacks for Stress-free Holiday Driving

Holiday travels can be challenging, especially during Christmas. If you’re planning a road trip to visit family or friends in Plano, TX this season, the following hacks can help you have a safer, more enjoyable trip.

Plan Your Travels

Plan your trip in advance to avoid the last minute rush. Plan your routes and travel time, service your car and budget your finances accordingly so there are no loose ends by the time you’re ready to travel. If you’re traveling with children, get them involved in the planning so that they feel a part of the action. Older children can help with such tasks as planning games or snacks, preparing a music playlist or being the official photographer for the trip.  

Pace Yourself When Driving

The journey is just as important as the destination. Pace yourself when driving and take time to enjoy your travels. You can break your trip into intervals, giving yourself time to stop and “smell the roses” along the way. Rather than pass a beautiful park, stop for an impromptu picnic. Look for opportunities to explore interesting places or take part in new experiences. By going slow and being open to a flexible driving schedule, you can keep stress at bay.

Take Advantage of Technology

Every road trip has its harrowing moments when traffic comes to a standstill or weather conditions slow you down to a crawl. Be prepared with the joys of modern technology. Laptops, tablets, and smartphones can come in handy to keep your kids entertained during these times. If you have internet connectivity in your vehicle, encourage your kids to take advantage of it to keep the peace and preserve your sanity.

Make Sure You’re Covered

Update your auto insurance with Paragon Independent Insurance Agency in Plano, TX. Knowing you have auto insurance protection can alleviate any worries about unforeseen accidents. At Paragon Independent Insurance Agency, we can help you select auto insurance coverage to meet your specific holiday driving needs.

Insurance Regulations for Commercial Trucks

For commercial truck drivers in the Plano, TX area, insurance is one of the most critical parts of running a successful business. Without proper coverage, an accident with a commercial truck can have dire consequences for your company. The agents of Pargon Independent Insurance Agency are available to help you meet all of the Texas state requirements for commercial truck insurance.

 Commercial Insurance Liability Rules

In all states, including Texas, the Federal Motor Carrier Safety Administration requires a minimum amount of liability insurance coverage for commercial trucks. The required liability insurance will cover damages related to an accident caused by the truck driver. Payouts to the victim may cover repair costs and medical expenses. The weight and load of the commercial truck determine the amount of required liability insurance. As an example, commercial trucks over 10,001 pounds need a minimum of $750,000 in liability insurance due to federal regulations. However, in many cases, Texas requires companies to carry an additional $250,000 in coverage. Federal and state regulations can change year to year and minimum amounts are always subject to fluctuations.

Special Considerations for Truck Commercial Insurance in Plano, TX

Trucks transporting hazardous materials will need extra insurance coverage on vehicles. In Texas, companies have a requirement of $5 million in liability coverage for vehicles carrying hazardous or explosive materials. Texas will also change coverage limits and form requirements based on where the truck will be used. Commercial trucks traveling out of state must work with a trusted insurance agent to get just the right amount of required coverage. An agent will also assist you with getting the correct forms submitted to prove your commercial truck is properly insured. The required Department of Transportation forms in Texas may include BMC-99, Form H, Form E, and MCS-98.

Contact any of the agents from Paragon Independent Insurance Agency today to ensure you get the right amount of coverage for your commercial truck.