Insurance Blog | Paragon Independent Insurance Agencies

Why Independent Agents Can Save You on Your Allen, TX Home Insurance

Posted on April 29, 2015February 20, 2015 by AgentInsure

The drought has certainly taught us the value of water in our area. In Allen, TX and throughout the region we have had to learn better ways to save water and make the most of this valuable resource. We should learn to get the most out of all of our resources.

Did you know, for example, that independent insurance agents can help you get the most from your insurance dollars? Independent agents are not captive to representing the products of just one company. While captive agents can only sell you a single brand of insurance, independent agents have a wide range of choices. This not only gives you more options, it can save you a significant amount of money. Like water, money is not something we should waste at any time.

If you are in search of home insurance or auto insurance you can find out for yourself right online. Simply visit our website and fill out our online form. We will get you comparative quotes, demonstrating our ability to provide a “one-stop” way to compare coverage and rates. If you are in the market for life, business or other loss-prevention policies, contact us for a quote.

Independent agents have the freedom to do the shopping for you. Of course you can always make the final choice, but isn’t it nice to know you have options? Try our online quotes or contact us today and put us to work for you. After all, who couldn’t use a little extra money at the end of the month?

You shouldn’t waste water and we don’t want you to waste your money. Contact our independent agents today to make the most of your insurance dollars.

When You Request A Quote, Look For These 3 Things

Posted on April 15, 2015February 20, 2015 by AgentInsure

Addison, TX is all about the arts. There are theatres throughout the downtown area and some of the parks will also hold plays as well as other events, such as Fork and Cork. Residents and tourists alike enjoy all there is to see and do within the 75001 ZIP code, which is part of the Dallas metropolitan area.

When you begin exploring auto insurance, it’s important to request a quote and you can do this by working with one of our independent agents. Before you choose one quote over another, it’s important to look for a few things.

Coverage

The coverage will need to be at least the minimum as required by the state of TX. However, when you request a quote, you want to make sure you are comparing apples to apples. If one quote has more coverage than another, it’s not a fair comparison. Look to see that you have the coverage you want in regards to not only liability, but also other things such as comprehensive and uninsured motorist. This will give you peace of mind that you are protected against anything that could happen in Addison.

Insurance Company

Not all insurance companies are created equally. Our agents can help to cut out some of the less than ideal candidates for insurance because we work with only the best in the 75001 area. Some companies have better reputations, and this includes with what they offer as well as how quickly they can process claims.

Cost

The cost is one of the most important things. While you want affordable, you don’t want to skimp on coverage, either. Be sure you make comparisons to see what the actual cost is and what is needed to get the cost that is being quoted to you, such as pay in advance or pay monthly.

Car Insurance: The Best Quotes Are Out There

Posted on March 31, 2015February 20, 2015 by AgentInsure

Richardson, TX is a city within the Dallas metropolitan area with a population of 100,000. The city does well at promoting local businesses and has a Dine Local program. There are various parks and golf courses to provide recreation and plenty of shopping as well. The area is visited by tourists from around the globe every year and much of this has to do with the convention center.

With a number of people on the road, car insurance in the 75080 area becomes more important. You will want to get the best quotes out there as a way of not only getting an affordable premium but also maximizing on your coverage.

Many people make the assumption that the best way to get affordable car insurance in Richardson is to cut back on coverage. This is a mistake because not having enough coverage could end up costing you a fortune if you were to be involved in an accident.

The best solution is to work with independent agents. We have agents who are very knowledgeable about insurance in TX and can help you find a policy that provides you with adequate coverage at a good price. One of the reasons we can help you with the best cost, too, is that we work with multiple insurance companies. This allows us to get quotes from several in order to see who has the lowest rates. Only after making some comparisons can you determine which company to go with.

Car insurance in the 75080 area is mandatory. However, you have the ability to control what you pay for coverage. Contact one of our agents today where we can help you with this. We’re happy to answer any questions you have and get quotes so you can do your own comparisons.

How to Minimize Liability Risks for Your Small Business in Plano, TX

Posted on March 16, 2015January 13, 2015 by AgentInsure

As a business owner, you are already a risk-taker. However, when it comes to your employees and customers, you shouldn't be taking any risks in terms of their safety. Luckily, you can limit your risks as a business owner in Plano, TX, by following these three tips:

1. Ensure Alarms and Security Systems are Installed and Maintained

Although you could say it's common sense to install fire alarms and a security system, the truth of the matter is that not all businesses use their head, so to speak. In order to fully protect your company from various damages that may be caused by a fire, you should have a sprinkler system and smoke alarms that are monitored off-site. At the same time, you need to have a solid security system with cameras and lights to deviate theft and vandalism while also providing you with video evidence in the event that something did occur.

2. Keep the Office Spic and Span

It is crucial that you keep the office space completely free from any obstructions that could injuries to customers or employees. For example, a look piece of carpet could cause someone to trip, fall and suffer serious injuries. A severe injury could occur from slipping on a pile of papers on the floor, tripping on a loose ceramic tile or even tripping over something blocking a doorway. By keeping your building clean, you will significantly reduce the likelihood of injuries on-site.

3. Make Sure You Have a Disaster Plan

You never know when disaster is going to strike, even when you do everything that you can as a business owner to prevent accidents from occurring. Therefore, it is imperative that you have a disaster plan in place ahead of time. After all, all accidents cannot be foreseen. A disaster plan that is carefully planned, thought out and executed can go a very long way in eliminating potential risk of major disasters.

Unfortunately, there is no way to erase all scenarios of liability and injuries from your business as a whole. However, there are plenty of ways you minimize these risks to keep your employees and customers safe while also maintaining a professional place of business. Contact one of our local independent agents who serves the Plano, TX 75024 area and can help you obtain the commercial insurance quotes that you need to make sure your business is protected when disaster strikes.

Should You File an Insurance Claim?

Posted on March 2, 2015December 22, 2014 by AgentInsure

Texas is the second largest state in the United States, and as such Texans like to do things big. That’s the approach your business should take when it comes to filing insurance claims, only file when the claim is a big deal. Only file when you can’t cover the cost of the loss on your own. Although commercial insuranceagents in Texas are there to help you protect your vehicles, there are times when it is in your best interest to handle the damage and not involve the insurance company, and generally this is done when the loss is insignificant.

Is it Worth Paying the Deductible?

The deductible is your portion of the insurance you are responsible for when you file a claim. If you incur a minor accident (cosmetic damage to one of the vehicles in your fleet) towards the end of the year, then it may be in your best interest to handle the claim on your own. If you consider the fact that you will still be responsible for the deductible next year and the damage is minor, filing a claim on your insurance would serve no purpose but to increase your insurance.

Does Your Company Have a History of Filing Claims?

Although insurance companies don’t automatically increase your rates when you are in an accident, if your employees have a history of getting into accidents then you may want to seriously consider each claim you file. Your driving history significantly impacts how much you pay for your business car insurance each month, so if you have a claim that you can easily remedy and your claims history is questionable, consider taking care of the situation through your business.

Is Your Policy Forgiving?

There are some policies that will forgive an accident periodically. If you have this type of policy filing a claim is okay if you have a staff of safe drivers because it won’t result in your insurance increasing due to the type of policy you have. It is in your best interest to think strategically about filing the claim if you feel as if you may incur another loss due to careless employees on your staff.

You can talk to your commercial insuranceagent in Texas to determine what approach is best for you before filing a claim. They will assist you by providing you with information that will ultimately affect the price you pay each month. Since you have to call them when you experience a loss anyway, make sure you leverage the knowledge they have so that your business isn’t needlessly incurring costs.

Even South Fork Needed Homeowners Insurance

Posted on February 17, 2015December 22, 2014 by AgentInsure

Known for its many parks and best place to live awards, Plano Texas 75024 hosts many activities in the Dallas Metroplex. Business travelers or families can see South Fork to Six Flags all in one day if they wish. A planned community it has developed many activities to keep families active. To make life easier city planning makes sure needed stores and utilities are just a few blocks away. Plenty of parks, and intramural events to participate in. Local cafes cater to the evening crowd where talking and chatting with friends is encouraged. Bookstores in many locations serve the educated population hobby needs but continuing education learning for career or pleasure is a given. The DART system makes it easy for commuting to Dallas for work or play. A quality lifestyle is a central goal in this city for its residents.

Neighborhoods such as Gleneagles, Prestonwood Hills, and Willowbend have distinctive flavors but have a set of community rules. Winter comes and snow with ice makes life a bit more risky. As your local insurance agent you need a good homeowners insurance. You need to understand the personal injury claim on the policy for those times someone falls in the snow. A good policy covers for such instances and covers you in case someone sues you for negligence. Neighborhoods in Plano TX do many preventative measures so policy details depend in what neighborhood you live in. I have all that information available for us to look at together and determine the best policy for your needs.

While running errands or if you just need a trip to get out of the house, come and visit my office. We have coffee brewing. Get some comparable quotes off the internet and let’s chat about your policy.

How Homeowner’s Insurance Can Vary In Texas

Posted on February 2, 2015December 22, 2014 by AgentInsure

Throughout Texas, you can take advantage of various locales. You have the desert, the plains, the mountains, and the city life. You can experience all four seasons throughout the year and various metropolitan areas exist for you to call home. In comparison to the rest of the country, the home values can be more affordable and income levels can be higher.

When you obtain homeowners insurance for your home in Texas, you have to look at what’s being offered. There are various ways for a policy to differ. This includes:

– Cost of premium

– Levels of coverage

– What events are and are not covered

Should something happen to your porch or foundation as a result of sinking, you want to know that the money to make the repairs is not going to come out of your pocket. You should be able to file a claim with your homeowner’s insurance policy and know that they will provide the money.

This will not always be the case. You have to plan for such issues when you shop for homeowner’s insurance. A sinking foundation or porch may or may not be covered – and may not be covered based upon how it happened.

Foundation is usually as a result of shifts in the ground. This could be from a large storm, a flood, or something else. The fine print of your policy will tell you what events will be covered and what won’t. If you live in a flood zone, you may also be required to have flood insurance above and beyond your standard policy – and this could provide you with the added coverage.

By working with one of our agents in Texas, we can find a policy that makes sense and gives you the coverage you need. This way you know your porch and foundation is always covered against sinking and anything else.

5 Things The Best Car Insurance Agents Can Help With

Posted on January 19, 2015December 22, 2014 by AgentInsure

Plano, TX offers a lot for residents. It is within 20 miles from Dallas and this means that many people commute back and forth for work. It is part of the metropolitan Dallas area and this also provides plenty of shopping centers, restaurants, and more. Home values are higher here than in other parts of the state, though incomes are as well.

When you want to purchase car insurance, it’s important to work with the best agents as they can help you with a number of things.

1. Learning about the options

There are many options when you look at car insurance. There are requirements in TX that you must have in terms of liability, but there are ways to add to the coverage you have as well.

2. Exploring coverage

Liability is a must, though you can also look for quotes that include comprehensive and collision coverage so you are protected against all of it in 75024.

3. Identifying ways to save

There may be all sorts of ways for you to save. Our agents in Plano can look at associations you belong to, look at the safety features on your car, and much more.

4. Making comparisons

We are independent agents. Throughout the 75024 area, we can find multiple companies for car insurance to ensure you learn about what all of the various competitors have to offer.

5. Finding the best rates

We also find the best rates so you can be confident you have the best that Plano, TX has to offer in terms of an affordable premium.

Call and talk to one of our best car insurance agents today. We can answer questions you have about a policy and ensure you get the best rate that’s available for you and your car.

What Do I Need To Know About Insurance When My Child Gets A Learner’s Permit?

Posted on January 1, 2015December 22, 2014 by AgentInsure

Texas is the largest state in the country in terms of land mass. It is known for such history as The Alamo and has a number of metropolitan areas. Plenty of things exist to do within the state, including white water rafting, hiking, horseback riding, rodeos, and city tours.

When your child gets a learners permit within the state, there are things you need to know about car insurance. It is likely that your child is going to get behind the wheel of your car for learning purposes and therefore your insurance needs to be updated.

If your child were to get into an accident with a leaner’s permit and it’s not updated as such on your car insurance policy, there is a strong possibility of the claim being denied. You don’t want this to happen as and therefore our agents can work with you.

Throughout Texas, there are state requirements for obtaining a learner’s permit. There are also minimum liability levels to have on car insurance. When you work with our agents, we can guide you through the process and ensure your insurance doesn’t skyrocket when you add your child to the policy.

We can talk to you about the importance of adding liability coverage above and beyond the state minimums. Anyone with a learner’s permit is at a higher risk of being involved in an accident simply because they are new to the driving experience. Our goal is to help you get the car insurance you need while still making it affordable.

Call us today and let us begin searching for insurance quotes. This will make it easier to compare rates and make an informed decision as to the policy that will cover you and your child in the most effective way possible.

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Certified Commercial Insurance Agents in Dallas, TX

Posted on December 16, 2014October 7, 2014 by AgentInsure

You started up a work at home business and everything is going well. You want to expand in such a way that sets you up for long term success. One of the necessary parts of growing a successful business is protecting your finances with insurance.

Commercial insurance helps you in many liability issues surrounding your business. You are at risk of customers and clients suing you based on several factors. If someone gets hurt when they go to a meeting with you, if it involves a business meeting then it’s likely it’s covered under a commercial claim and not a personal insurance claim.

You have many points of liability when it comes to your products. One of the most important types of coverage you can get is product liability insurance. Lawsuits for injury and wrongful death relating to products can range in the millions. Even if you’re an incredibly successful work at home business, you probably don’t have that much money laying around.

What if you provide services instead of products? You still have some risk of a lawsuit, although it’s harder for the client to show that there was damage caused by your services. If you want to protect yourself from that type of lawsuit, errors and omissions insurance is key.

Commercial insurance comes in many forms, so you can pick and choose the policies that best fit the business situation. One of the must-haves is commercial property insurance, as homeowners insurance generally doesn’t cover business equipment or loss.

Talk with our insurance agents in Dallas, TX to find out all of the commercial insurance options that work for your home based business.

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