At times, purchasing car or auto insurance in Texas can be confusing. You are inundated with advertisements that say, “The application process takes just a few minutes”, “Just click here to get the lowest price”, or “You don’t need an agent, you have a computer to help you”. We believe that Texas auto insurance should be a purchase in which you put thought and consideration into because you are buying a product and service to protect yourself, your auto and your family.We wanted to clear up some of the auto insurance misconceptions you may have heard.
“You can go on line and in 5 minutes select the best possible combination of price, coverage and service”.
Fiction- There are literally dozens of options to consider with each company. We do all the work for you by comparing many different companies, then providing you with the best options.
“Auto insurance is the same for every car and owner”.
Fiction- Car insurance needs to be customized to fit your individual and family needs.
“Red cars cost more to insure”.
Fiction- Car insurance companies do not consider the color of your car. They do consider the make, model, cost and location of your auto.
“My driving record will not affect my premiums”.
Fiction- Your driving record will impact your car insurance rates. These are the driving infractions that will impact you the most: DUI, reckless driving, careless driving, speeding and failure to stop.
“All insurance companies are the same”.
Fiction- We represent many different companies. Some companies prefer motorcycles, while others have better rates for older cars. We try to match the insurance company to your individual situation, giving you the best possible combination of coverage, price and service.
In the fast-paced world that we live in it can be easy to neglect our health and wellness. We're so busy racing through our day to day lives family, friends, work, social engagements that we don't take the time to look after ourselves. It is no wonder that so many of us are tired and run down. What are some simple things that we can do to improve our quality of life?
Drink, Drink, Drink
You've heard it a million times, and you'll probably hear it a million more drink more water!
Think about it: The human body is 72% water. A 5% drop in fluids creates a 25-30% loss in energy. A 15% drop in fluids causes death! At this point, 66% of us aren't drinking enough water, so over half the population is not running on all six cylinders, to begin with before things like bad air, bad food and stress take their toll.
It's not really a difficult thing to remedy. Just drink one glass of water every half hour or so or 10-12 glasses of water per day, and you'll notice a huge jump in your energy levels.
Living Food Loving Life!
A little-known fact is that heating food above 116F destroys much of the nutrient content. Considering that we already aren't eating enough veggies, that's a fairly substantial problem. Nutritionists recommend five serves of fresh vegetables per day. How many of us are taking that advice?
A great way to get the nutrients found in fresh veggies without spending all day at the stove or eating raw celery sticks is to juice your veggies. Make sure that you own a good juicer (some juicers expose vegetables to heat created by friction during juicing, which breaks down important enzymes), grab some fresh vegetables and drink your way to good health. It takes a fraction of the time (there's no cooking involved, for one thing) and it's convenient. You can take your juice to work and even give some to the littlies for school lunches!
Wheatgrass, in particular, is an excellent source of nutrition. Its high in chlorophyll (sometimes described as plant blood because it closely resembles human red blood cell molecules) and has over 100 elements that the body needs. Fresh grains are another excellent source for vitamins and minerals
Energy In Energy Out
Exercise is another dirty word for most of us. The thing is, exercise doesn't have to be time-consuming or mind-numbingly dull. There are plenty of options.
If you don't have the time or money for the gym, or prefer to spend your mornings/nights at home, then try an exercise bike or walker. I'd be lost without my exercise bike I set it up in front of the television and peddle away merrily during my favorite shows.
An excellent way to get back into a physical routine is to start slowly. Ridiculously slowly. For the first couple of weeks, walk/ride for 5 minutes per day precisely 5 minutes, no more, even if you think you could continue. When the two weeks are up, increase to 7 minutes, then 10 minutes, 12 minutes continue to gradually increase your activity until you're at a level that you're comfortable with.
It may sound a little silly, but it works. In effect, you trick your body into producing more energy. Your building your exercise time up so slowly that your body doesn't realize what's happening. Follow this method and, before you know it, you'll be comfortably exercising within your limits every day.
So, folks, that's the basics. If you can rearrange your life a little to allow for better eating habits and a little exercise, and if you remember to drink a glass of water every half hour or so, you'll be well on the way to living a healthy life. On a final note, don't forget to take some quiet time for yourself. Meditating is an excellent way to minimize stress. You don't have to sit around for hours, give yourself 5 minutes of quiet time every day even in the shower if that's the only place where you can get the time out and have a little catch up with yourself.
And, last but by no means least, laugh! Laugh like a loon, the louder wi the better! You’ll be amazed at how much such a simple thing can lift your spirits!
All of us at King Insurance Group appreciate your business, and wish you good health and happiness throughout the year!
Every so often we think it is a good idea to talk about what may be happening regarding Texas business insurance, personal insurance, and risk management. We review many different insurance publications, insurance company bulletins, and other professional’s opinions, to analyze these trends.
We hope you will consider these as part of your personal and business insurance review process.
Insurance and risk management trends to watch for in 2015:
With the recent Target breach, cyber liability is a hot issue. More firms are buying cyber coverage. Cyber threat is a hot, high profile issue these days throughout the business and the insurance industry. The threat is real and the economic exposure potentially catastrophic. Basically, a company is liable for any damage, real or possible, caused by computer-based theft or vandalism. If attacked, a business is legally responsible for notification (ongoing communications with every individual whose records were possibly compromised) and it is liable in any legal action regarding identity theft.
There are more insurers entering the marketplace. While this can be a good thing, some of these insurers are not financially strong, which might lead to issues at a later date. We always recommend using stable and financially strong insurers.
Increased reliance on technology will lead to better run insurers and stable premiums. The development of advanced loss control analytic tools will revitalize insurers focus on claim reduction, and potentially lead to increased investments in loss control.
Term life insurance continues to be very competitive. This will continue to allow more and more people to have an interest in life insurance.
Mobile applications are one of the fastest growing areas of insurance. People are managing their insurance on-line, including premium payments.
Health insurance will cost more for most of Americans.
Healthcare reform will continue to evolve, into what we really don’t know.
Retirement income innovations. A groundswell of consumer interest in ensuring sufficient income in retirement has led to many innovative products for those planning retirement.
As we move into 2021, you need to re-think how y view insurance. Insurance is not best purchased with the concept of; the lower the cost the better for me. We have seen too many issues arise in 2020 where someone had cheap insurance and ended up having an un-insurance claim, poor customer services, or no insurance at all.
Remember These Values Should Be Important To You
It does not cost you more to develop a relationship with a professional insurance advisor.
The right insurance designed for you is what you need.
Our agency's core values are based on developing a relationship with you, understanding your needs, and educating you on what action we take together.
Here Is How COVID19 Might Impact Your Insurance In 2021
COVID-19 should not impact your homeowner’s insurance too much, but there are a few coverages that could be impacted because of the temporary lifestyle change; starting a home-based business or remote working. The changing circumstances definitely highlight the need for a review of your policy, like liability coverage. For example, you could be liable if someone gets COVID-19 while in your home. In addition to coverage enhancements like a home business coverage endorsement if you moved your business to your house.
U.S. insurers began to offer discounts and refunds on their customers’ auto insurance premiums. Now, despite the fact that drivers have returned to the roads in many parts of the country, the pandemic’s reverberations on vehicle usage and insurance cover will likely continue into the future.
There has been no evidence of life insurers pulling out of the market, premiums have remained steady, and COVID-related claims are already being paid. Your policy will cover you if you pass away due to COVID-19. Life insurance companies cannot change the terms of coverage for active policies, so anyone who was covered remains covered.
This information is to be considered general in nature. All claims will be settled based on your actual policy terms and conditions.
The wind just blew your roof off and water is rushing in. You did not plan on this happening, but we hope your first call is to our office. We understand that during stressful times you need a partner and friend, and we are here to help you through the claim process and get your life back to normal.
There are many perks that come with using a local agent, and we thought we would share a few with you.
Added Perks With Using King Insurance Group
We give you options - We have dozens of markets to select from, and we search them all to bring the best possible combination of price, coverage, and service.
Not all markets are equal - We understand that some markets give good discounts to teen drivers, or that others have great rates on ATV and motorcycles. We take the guessing out of purchasing personal insurance.
We are local - Our staff lives and works in your community. Our kids go to school with your kids. We know and understand your needs.
Our agents are trained, licensed professionals - We educate and train our agents on insurance issues in order to keep up on the latest trends and coverage.
We support local nonprofits and community groups - We don’t just live here, we invest our time, money and staff to make our community better.
Unbiased advice is what we give you - We are not employees of any insurance company, which allows us to recommend the best option for you.