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How Your Driving Record Affects Your Car Insurance Rates

Your driving record can impact your car insurance premiums, see howDid you know that your personal driving record may either be pushing up or reducing your policy premiums with car insurance?  It’s one of those details that a lot of people understand generally, but not quite in the amount of detail you’d think.  Let’s take a look. Read the rest of this entry »

Teen Drivers and Crash Risk Factors

be sure you set ground rules for your teen driverWhen your teen gets behind the wheel, it’s normal to feel a bit of worry coming on.  After all, they’re your child and you want them to always be safe.  Plus, you have good reason to worry — teen drivers have quite a few age-specific risk factors that make driving a little more dangerous for them.  If you’re looking to do whatever you can to help them out and protect their health and safety, here’s the deal on their crash risk factors. Read the rest of this entry »

Why Buy Insurance & Understanding Risk

Why we buy insurance and understanding the risksWhether personal insurance is just one of those monthly premiums that you pay without thinking about it or it is the cause of a stress migraine when you see how much it costs. Either way, it means something maybe just a little different to most of us.  If you find yourself in the second group, you may be asking yourself: “why am I even paying this when it costs so much, anyway?  Why not just pay out of pocket?”  It’s a totally normal question, and here’s what you need to know about risk management. Read the rest of this entry »

Why Cheaper Car Insurance Isn’t Always Better

Cheaper insurance isn't always better, know your needs Most of us are looking for smart ways to save money these days.  One of the most popular categories to cut back your spending is on insurance premiums.  If you’re looking at your auto policy and wondering whether you should minimize your coverage or maybe even change insurance carriers, take a moment to look at what you’re actually going to be getting — or, rather, not getting. Read the rest of this entry »

Discounts as a Farmers Insurance Customer in Texas

Save money on car insurance with these tipsEveryone’s looking to save some money on insurance, right?  Well, why wouldn’t you when there are discounts just sitting out there waiting for you?  We get it, sometimes you just don’t know what you don’t know! When it comes to discounts and insurance, Farmers Insurance has a variety of available insurance discounts specifically for Texas customers.  Take a look for yourself and see if you can qualify for these to put more money back in your pocket while still enjoying full protection. Of course, if you aren’t sure, contact Paula Smith Insurance and we can help make sure you are maximizing your benefits. Read the rest of this entry »

What to Pack in Your Vehicle Emergency Kit & Why

be prepared with the proper tools right in your own vehicleVery rarely does an emergency ever give us a heads up.  That’s why an “emergency” is, well, an emergency. When it comes to being prepared for an emergency of any kind, equipping your car with a well-stocked and properly planned out emergency kit will be crucial. Looking for advice on what to pack?  Here’s advice that will give you the power to create the right emergency kit. Read the rest of this entry »

What to Know About RV or Motorhome Insurance

protect your assets with rv or motorhome insurance in League CityInsurance….it’s one of those things that you know you need, and in some places required to have, but maybe you’re a little hazy on what details you should know about the different kinds of policies within a category.  Why not check one area off your list by taking the time to familiarize yourself with Recreational Vehicles (RV) & motor home insurance?  It’s not as overwhelming as you think! Read the rest of this entry »

What Affects Your Car Insurance Rates?

car insurance and what affects your car insurance ratesWhen you get behind the wheel to head to work, school or just out and about, it’s pretty uncommon to think about your insurance policy in and of itself. However, the rates that you are paying are common frustrations, especially when a term renews and you discover that your policy amount has increased significantly, or at all. It leads many people to think: “Why does my car insurance keep going up?”  Here’s what you should know. Read the rest of this entry »

When Christmas Gift Giving Consider Your Insurance Coverage

Consider additional insurance with expensive gifts Buying something special for an important someone in your life is one of the best things about the holidays.  After all, they’re an important person in your life who deserves something equally as important as a gift.  When you’ve got a plan together, take some time to think about any official changes you’ll want to consider as well, such as additional insurance options. Read the rest of this entry »

How to Save Money on Your Car Insurance

ways to save money on your car insurance in League CityAuto insurance is one of those things that seems annoying until you have to use it.  Sure, the monthly premium may not feel like a must-have or very “premium” but it is an essential part of owning and operating a car.  And well, auto insurance is required in Texas.  Luckily, you can look at cutting costs of your auto insurance policy.  You just have to focus on the right details when it comes to putting together the policy.  You’ll find some great tips and suggestions below that should help you get the most convenient rates possible. Read the rest of this entry »

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