3 Important Things You Can Do To Protect You and Your Family

You can have the peace of mind and security that you and your Family Deserve! I’m really excited about revealing to you some important tips about insurance. Tips that I feel offer you and your family protection. Here they are:

1. Have an insurance specialist conduct a risk analysis on your automobile, property and family. You live in a complicated world. Texas Auto InsuranceYour life probably has more risk than you’d dream of.
   
   
2. Use an Independent Insurance Broker. Do you know the difference between a broker and agent? An Agent represents only one insurance company. A broker (such as ourselves) offer policies from a number of different companies. Some have different features.You want a good price! You want good protection! You want good value! Use an Independent Insurance Broker to shop the market for you for the right coverage ,protection and price.Texas Auto Insurance
   
   
3. Don’t trust the financial protection of your family to an insurance agent who is not a specialist with automobile insurance. Insurance is a large industry. There’s insurance for almost everything.Texas Auto Insurance Anything you can have, do, own, manage or imagine - there’s probably insurance for it. Insurance is a very technical business. Policies, coverage, endorsements, exclusions. It has a language all its own.Texas Auto Insurance And the insurance needs of each person are highly specific and unique to each. You know your automobile is probably one of your biggest assets.

Choose a Vehicle for Family Safety

Selecting a car for the family is an important responsibility. We offer some suggestions to help you make your choice.

Vehicle design

• Larger and heavier vehicles are safer in crashes.
• Safety features such as air bags, antilock brake systems and side impact protection should be tops on your list.
• Check for important safety elements such as a right-side rearview mirror and three-point safety belt systems with adjustable shoulder-belt anchors.
• During the test drive, make sure that head restraints, roof structure and windshield design don't interfere with your vision.
• Look for interior designs that avoid control knobs sticking out of the dash to reduce the chance of injury.

Passenger considerations

• A passenger-side air bag is great for belted passengers, but hazardous for an infant in a rear-facing infant seat or unrestrained adults and children.Texas Auto Insurance
• A safety belt for the driver and each passenger is essential. Shoulder belts in the rear seat are a big advantage.Texas Auto Insurance
• Access to the rear seat is important. It is much easier to install a child safety seat and put your child in it correctly if your car has rear doors.Texas Auto Insurance
• Take your child's safety seat when you look at cars. Is there enough space between seats to hold rear-facing child restraints? Are safety belts are compatible with the seat and seat belts?
• Bench seats are easiest for installing child safety seats.Texas Auto Insurance Many safety seats are unstable on contoured bucket seats or the humps between them.
• Belts should lock to hold the child restraint tightly in place and against the seat back. If they don't, you'll need a locking clip to hold it.
• Always check the vehicle and safety seat owner's manual and directions for special information.
  

Child Safety Seat Advice

Purchasing a child safety seat doesn't need to be stressful.Texas Auto Insurance The key is to choose a seat that fits your child, your vehicle and your budget.

To choose the right child safety seat

• Make sure the seat fits your child's weight and height.
• Try installing a seat in your car before purchasing it. Make sure the seat fits and can be tightly secured.
• If your child is old enough, ask him or her to help you select the seat. If children are involved in the purchase decision, they are more likely to enjoy using it.
• Consult your vehicle owner's manual before purchasing and installing a child safety seat. Most will offer instructions and list equipment needed for proper installation.
• Rear-facing infant seats should never be installed in the front seat of a vehicle with a passenger-side air bag.

We also recommend that all children under age 12 ride in the back seat. The safest place for a young passenger is in the back seat, properly restrained.

When there is no other alternative but to place a child over the age of one in the front seat, push the vehicle seat all the way back and make sure the child is safely fastened in the proper passenger restraint system.

Some Tips To Protect Yourself from Parking Lot Break-ins

Make sure you don’t become the next victim of a parking lot break-in. Here are some tips to help keep you, your family and vehicle safe from break-ins at shopping malls and parking lots.Texas Auto Insurance

• Always park near other vehicles and in well lit areas, if possible near the front of the stores and roadways.
• Do not park next to large vans or trucks that can block your vehicle from plain
  view. Thieves will often use large vehicles as cover to break into unsuspecting cars.
• Never leave children unattended at any time. Even for a matter of seconds.
• Common sense dictates that you should never leave your vehicle running or even leave the keys in the ignition, however, it frequently does happen. Probably a lot more than you think and of course the vehicles get stolen. So why make it easy for the thief! Also don’t do it even to run into a corner store. Also, you would think that common sense would stop you from leaving a wallet or purse in the car but people still do it.
• Never leave items inside the vehicle in plain sight for people looking in the car. Parcels, cell phones, brief cases, suit cases, sports equipment such as golf clubs, portable CD players and even CDs left in the open are a calling card for thieves.
• Remember, the safest place to leave parcels and valuables is in your trunk and out of clear sight. Follow these simple precautions and your items are more likely to reach their intended destinations with you and........... you will avoid being a victim of a parking lot break-in.Texas Auto Insurance

Safest cars of 2002

The first vehicles to be awarded 2002 SAFE Car designation

• Chevrolet Impala 4-DR
  
• Ford Windstar
  
• Honda Civic 4-DR
  
• Lincoln LS
  
• Toyota Sienna
  
• Volkswagen Jetta 4-DR
  
• Volkswagen Passat
  
• Volvo S80
  
  

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