My Son Turned 16 and Just Got His Driver’s License

When long time customers call advising that their son had just received his driver’s license, they always seem to brace for the bad news…the auto insurance premium went up!  The rate increase is inevitable because, let’s face it, insurance companies rate their policies based on the risk of loss and the amount of potential damages that will inevitably be paid out.  Thus, a youthful driver, with no experience, presents a greater risk of car crash.  However, insurance companies also recognize the not all teenagers drive the same way.  And not all teenagers lack maturity.  How could an insurance company distinguish between a “mature” teen to a not so mature teen?  One way is by demonstrating good academic responsibility.  Here’s where the “good student” discount comes in.  If your teen driver is a full time student with a “B” average or better, he will normally qualify for a discount.  Keep in mind that not all insurance companies offer the same type of discount, but most will offer some type of discount.  With an independent agent helping you, you could be rest assured that they scrubbed all the discounts available to you.  In fact, what we as agency do as courtesy to our clients is to offer a re-quote on auto insurance to make sure that the current policy is best value for you.  Some companies rate youthful operators less than others.  It’s important to check them all out.

 

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.
AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041 (956) 729-9500 affordableinsurancelaredo@gmail.com

 

Laredo Texas Insurance | (956) 729-9500

 

 

 

Auto and Home Insurance Package Discounts in Laredo TX

With all the marketing blitz put on by insurance companies, I’m sure that by now you’ve heard of auto and home insurance discounts in Laredo, TX.  Does it make sense to place both your auto and home insurance with the same company?  This may surprise you but, many times it doesn’t.  That sounds like it goes against common sense but the fact is that many times an insurance company will have a low price for one insurance policy but the price for the other is very high.  To offset the high premiums, insurance companies offer auto-home insurance discounts.  HOWEVER, many times the discount applied is NOT big enough.  In other words, auto insurance company A may have very competitive auto insurance price but they write only auto insurance.  At the same time, home insurance company B might specialize in writing only home insurance policies and will also have a very competitive price for home insurance.  I’ve seen time, and time again, instances where it DOES NOT make sense to place both auto and home insurance with the same insurance company.

 

 

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.
AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041 (956) 729-9500 affordableinsurancelaredo@gmail.com

 

 

 

 

 

 

 

Shopping for Car Insurance in Laredo, TX?

Laredo Texas Insurance | (956) 729-9500

Welcome to Laredo, TX! Is how I greet new clients that have recently moved to Laredo, TX. When you move to a new home, after you’ve resolved the more urgent matters such as turning on the utilities and registering the kids for school, you need to update your insurance policies. Car insurance companies want to know which household they are insuring thus updating your home address on your car insurance policy is extremely important. Insurance companies also want to make sure they know where the cars are stored at night. They call this “garaging address.” Most of the time, the home address and the garaging address are the same but not always.  After you’ve updated the address on your car insurance policy ask for an auto insurance policy “Declarations Page”. On it, you’ll have coverage limits and the new price you will be paying after the address is updated. This is a very good time to shop for a new car insurance policy and car insurance agent in Laredo, TX. As a local independent insurance agency, we understand which insurance companies offer the most competitive price for your specific situation. Call us for a free insurance consultation. (956) 729-9500.

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.
AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041 (956) 729-9500 affordableinsurancelaredo@gmail.com