Archive for December, 2007
Insurance Classifieds
Insurance Classifieds
Get Instant Health Insurance Quotes!
Saving Money on Texas Commercial Auto Insurance
Before you can start saving money on commercial auto insurance, it is first necessary to understand what commercial auto insurance really is. Texans have such a vast array of vehicle types and often use these vehicles for 2 or sometimes even 3 different applications a day.
A father may drop his kids off at school in the morning. He may then drive his truck to his contractor job and work 8 hours during the business day. After work, he may then decide to put in a few hours of fishing, and hook up the family boat to the very same truck and drive it down to the lake.
A CPA may spend most of her time driving from her home to her office and back home again and hold a standard commercial auto insurance policy on her car. During the course of her business, she may wind up doing business with a new client that requires her to travel to another city.
How do you classify such vehicles based on its varying use? To answer this question, you must work with a multi-line statewide insurance provider like Texas Auto Home Insurance that knows how to properly classify your vehicle and determine if it falls into a commercial auto or commercial truck classification.
Our agents understand that there are almost as many commercial classifications for vehicle usage as there are variations of usage. It is for this reason that we avoid defining “commercial auto insurance” for your Texas vehicle prior to carefully analyzing your situation and examining all the many details surrounding the ownership of the vehicle and its business usage.
Because we take the time to thoroughly evaluate all the factors associated with your vehicle, we can minimize a phenomenon known in the insurance business as “coverage overlap.” If a vehicle is not properly classified, different types of coverage will overlap and create higher premiums. Reducing the amount of overlap without reducing actual coverage is the key to saving money on commercial auto insurance.
George White, President of our organization, spent many years in underwriting prior to the founding of our statewide property and casualty insurance agency. Because he is familiar with the internal standards that Texas commercial auto insurance carriers use to determine base premium costs, George has been able to train his agents to properly classify each commercial vehicle and rate its use accordingly to the favor of the customer’s pocketbook and the specific legal requirements of Texas insurance law.
This requires ethics and finesse, but after 30 years in business, George and his staff know how to strike this delicate balance and consistently deliver savings on commercial auto insurance to more than 60% of the businesses that come to us for a policy.
Additional savings also come directly from the carriers who we represent. Most give major discounts for safety programs and outstanding loss histories. Working with an agent who can gather this data and properly present it to the commercial auto or truck insurance carriers will often be all you need to reduce your rages.
We also work with more than one A+ rated carriers that provide blanket endorsements for waiver of subrogation and additional insured requirements without added premium charges.
You will greatly benefit by acquiring a consultation and a quote from Texas Auto Home Insurance. Saving you money on your commercial auto insurance premium is our specialty.
About the Author
Texas Auto Insurance
. For more information on
Saving Money on Texas Commercial Auto Insurance
,
Texas Renters Insurance
and
Texas Motorcycle Insurance
visit us online.
What to do with a Respironics EverGo Portable Oxygen Concentrator?
My father recently passed, this was a purchase, not a rental or insurance item. As we deal with the estate/belongings, Imy sister and I scratch our heads over what to do with this; I believe my father spent over $3,000 for this- it has a carry case, battery, a little trolley, etc. Am I able to sell this, as a friend has told me a Rx is needed by any potential buyer. I’m in the dark, we’d like to sell it for what its worth, even less, whatever, but dont know, again, what we’re able to do with this (legally, I’d guess) or what our options are
i wouldnt want to list it in the classifieds or eBay if thats a no no. Any input appreciated
I believe it’s a FDA regulated device and buyer(s) may need a Rx from a physician…i could be wrong tho, as I see your predicament. Could be worth good money and you need a way to sell it
|
|
United Solutions Snap and Lock Plastic File Tote, Black $13.99 Whether you need to organize files for easy access or you want to store the old ones, this durable file box from United Solutions will handle both tasks. Can accommodate hanging files, letter and legal size documents. The streamlined design of the patented Snap and Lock lid, keeps your valuable documents safe and secure. Multiple file boxes stack nicely and slide effortlessly. Black file box with … |
|
|
I LOVE INSURANCE 1.25 MAGNET Heart Progressive Flo $0.79 These magnets are manufactured from the highest quality materials… made of a hard metal base, thick mylar, strong magnet and true to life vibrant colors. Put them on your refrigerator, locker, file cabinet or any metal object you can think of! Magnets are great party favors for your next gathering and also make great prizes/giveaways. They are wonderful gifts for everyone!… |
|
|
Canvas Tote Bag Black Trust Me, I Am Insurance Investigator Occupations $9.99 This is a great tote bag. Very useful . Ideal for daily use and anytime ! . All TopExpressions products are made under strict quality controls. 100% canvas cotton…. |
|
|
Trouble $6.82 All products are BRAND NEW and factory sealed. Fast shipping and 100% Satisfaction Guaranteed…. |
|
|
Free Willy (Snap Case) $2.49 Some of us will never understand why this boy-and-his-whale tale became the hit family film of 1993 and one of the bestselling videos of all time. But it is easy to see how clever marketing and a tear-jerking story could touch the hearts of kids and parents the world over, especially because the endangered Orca whale named Willy is such a majestic creature. The story couldn’t be more conventional-… |
|
|
Mahogany Soul $7.09 Mahogany Soul perfectly describes the rich, deep, and lived-in music Angie Stone makes. This veteran singer/songwriter, who was one-third of rap trio Sequence, led acid-jazz combo Vertical Hold, and had a major hand in creating D’Angelo’s Brown Sugar, follows up 1999’s critically acclaimed Black Diamond with another collection of grown-up R&B that’s sexy, satisfying, and smart. Along with (wo)mann… |
|
|
Short Time [VHS] $14.98 … |
|
|
The Incredibles [UMD for PSP] $14.99 Animation studio Pixar (creators of Finding Nemo and Toy Story) reigns supreme: The Incredibles is another stunning example of their inspired storytelling and technical prowess. In a world where superheroes have been outlawed, the former Mr. Incredible (voiced by Craig T. Nelson) and Elastigirl (Holly Hunter) struggle to raise a family (with a teenager daughter who turns invisible and a super-spee… |
|
|
Alias Jesse James [VHS] $14.95 “Fresh, imaginative and hilarious and featuring deliriously entertaining cameos from western stars Fess parker, James Garner, Gene Autry, Roy Rogers and more.”… |
|
|
Kryptonite New York Fahgettaboutit Mini Bicycle U-Lock (3.25 x 6-Inch) $109.00 The New York Fahgettaboudit offers extreme bicycle protection with a hardened MAX-Performance steel shackle that resists bolt cutters and leverage attacks.Center keyway defends against leverage attacksProtective vinyl coatingSliding dustcover protects and extends cylinder life3 keys – one lighted with high intensity bulb & replaceable batteryAnti Theft Proctection Offer $450018mm hardened Max-perf… |