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AlphaSure Affordable Insurance Svcs Blog

Trucking Liability

Posted on by Fred Gonzalez

Trucking liability San Antonio Laredo

Personal Auto vs. Trucking Liability

What constitutes a private passenger vehicle? A personal auto insurance policy is intended to cover private passenger vehicles. Additionally, a private passenger vehicle has a gross vehicle weight of 25,000 pounds or less. Thus, you cannot include a big rig semi-truck onto a personal insurance policy. This is where a commercial auto insurance policy is used. Moreover, when the vehicle has a gross vehicle weight of 26,000 or more, then truckers or trucking liability is needed.

Trucking Liability Requirements

According to the Texas Department of Public Safety a motor carrier must show proof of public liability insurance. Moreover, vehicles such as an 18-wheeler requires truckers’ liability. Additionally, truckers’ liability is also known as trucking liability. In addition, according to the Texas Motor Carrier Guide to Highway Safety, Form MCS-90 must be filed for motor carriers. Download a copy of the Texas Motor Carrier Guide to Highway Safety. Texas Department of Public Safety – Courtesy, Service, Protection

Must Provide Proof of Trucking Liability Insurance

Motor carriers are inspected regularly. In addition to other requirements, one thing the official will look for is proof of public liability insurance. Moreover, the inspecting agent may look for the presence of a state filing called Form MCS-90. This is why truckers must be aware of the filing requirements as well as the trucking liability insurance limits. Thus, if a trucker is out of compliance, he may be heavily cited.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

About AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

Common Risks Small Business Owners Face

Posted on by admin

Running your own business carries with it a great sense of accomplishment and excitement. These are balanced out, however, with certain risks as well. It is important for small business owners to understand the types of risks that are common so that they can properly prepare for them. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we can help you plan for these types of bumps in the road. Let’s look at some common risks small business owners face. 

Liability 

One of the biggest risks you will face as a business owner is the risk of liability. Any time you provide services or products to the public, there is the risk of someone being injured or property being damaged depending on what you provide. 

If you run a brick-and-mortar location, there is also the risk of someone being injured at your place of business. This is why it is very important for business owners to have sufficient commercial insurance in place. 

Property Damage

You have worked hard to build your business and acquire the equipment you need. Your place of business and your equipment is always at risk of property damage. Property damage can come in the form of fire, natural disasters, and even burglary. A commercial insurance policy will protect these important investments so that you are not left financially vulnerable. 

Employee Injuries 

Another huge risk is that of employees being injured while on the job or at your business. If an employee is injured, you could be held liable for medical expenses. Solid insurance coverage will cover these types of expenses so that your company is not put at risk. 

If you would like to learn more about commercial insurance or any of our other services, please contact us at AlphaSure Affordable Insurance Services, serving San Antonio, TX. 

Mortgage Payment & Home Insurance Laredo TX

Posted on by Fred Gonzalez
Home Insurance Laredo TX
Home insurance Laredo TX

Have you noticed your mortgage payment go up? Most mortgages are escrowed. Moreover, if the mortgage is a fixed rate interest with no balloon option, then it could be that it is probably due to an increase in your escrows. Additionally, if property taxes didn’t change from one year to another, then it is possible that the increase is due to the cost of home insurance Laredo TX.

Escrows include home insurance Laredo TX

Escrows are part of the mortgage payment. In addition to taxes, hazard insurance is also part of the escrows. Hazard insurance is also called home insurance Laredo TX. If your mortgage payment went up and you have a fixed rate mortgage it could be that your property taxes or home insurance Laredo TX went up. There are few things that you can do to help bring down the cost of home insurance. Yet the most important thing you can do is get insurance quotes from an independent insurance agent.

What are some things covered by home insurance?

Hazard insurance is otherwise known as home insurance. Home insurance covers losses due to certain perils. For example, fire and lightening are covered by home insurance. For example, if you leave the stove on and causes a fire in the kitchen, home insurance will cover the losses. Additionally, most but not all policies will cover damages caused by wind or hail. Moreover, most home insurance policies include personal liability coverage. This coverage is there in case you are found negligent to causing someone’s bodily injury or property damage.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Home Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

For more information check out this information from the Travelers Insurance company.

What Does Homeowners Insurance Cover? | Travelers Insurance

Tow Service Car Insurance San Antonio Car Insurance Laredo

Posted on by Fred Gonzalez
car insurance san antonio roadside assistance

Add Roadside Assistance to Car Insurance San Antonio

A valuable benefit to have on your car insurance San Antonio is roadside assistance. For example, for a few dollars per month, you can add roadside assistance to the car insurance San Antonio. In addition, you can add roadside assistance to your liability car insurance San Antonio. In other words, there is no need to have “full coverage” insurance.

It is a Great Benefit to Have

If you find yourself with a disabled car, by adding roadside assistance to your car insurance San Antonio, you can call for tow. Moreover, you will not have to worry about getting her car to safe place. In other words, the service is intended to help you get your car back on the road. If the car ran out of gas, they can deliver gasoline to you and all you’d have to pay is the cost of the gasoline. Similarly, if your car has a dead battery, they can try a jumpstart. However, if the car cannot be restarted on the spot car can get towed to the nearest repair shop. Roadside assistance usually has a radius requirement.

Benefits of Roadside Assistance for your Car Insurance San Antonio

For me, the biggest benefit is not having to worry about having a disabled car in the highway. Additionally, I do not need to worry if my wife and kids are left with a disabled vehicle on the side of the road. This is because, I can rely on roadside assistance to go to their aide. There are many benefits that come from roadside assistance.

Call us today for a free no obligations review of your car insurance San Antonio

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

About AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

For some further information about roadside assistance see https://www.progressive.com/claims/roadside-assistance/

Claims and Car Insurance San Antonio

Posted on by Fred Gonzalez
Driving with car insurance San Antonio

You had minor accident in the San Antonio freeway and now you are contemplating filing an insurance claim. Here are a few things to consider when choosing to file or not to file an auto insurance claim. How much will an insurance claim affect the price of car insurance San Antonio? There are several considerations.

You had a small fender bender, what will happen to the rate of car insurance San Antonio?

When you are considering to file a collision claim, the first thing to consider is the seriousness of the car accident. For example, is your car drivable? If your car is safely drivable, take it to reputable body shop and get a written estimate. By the way, it is advisable that the written estimate includes the vehicles mileage and VIN to make it official. We know that keeping the cost of car insurance San Antonio low is the goal of every family. What will be the impact of a claim on your insurance price? The answer is, it depends.

If the collision is considered a not at fault accident, the car insurance San Antonio may not be impacted

First off, at fault accidents will impact the rate of insurance greater than not at fault accidents. Although insurance companies do not impose surcharges for not at fault accidents, the overall rates tend to be higher when any accident shows up in a claims history report. On the other hand, at fault accidents will result in a surcharge. As a result, rates for policies with at fault accidents will see the greatest impact.

What is the next step when deciding to file an insurance claim?

Another thing to consider is calling your insurance agent to get a requote on car insurance San Antonio. For example, a customer called me yesterday with this situation. In her case, she was involved in a small fender bender in a grocery store parking lot. Although it was undetermined who was at fault, which we could leave for another blog, the damages to her bumper were over $2,500! In her situation, the cost of car insurance with her current policy did not change if it was rated a not at fault accident. On the other hand, if it had been an at fault accident the rate went up by over $100 per month! Thus, she filed the car insurance claim.

Call us today for a free no obligations review of your car insurance San Antonio

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Contact AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

For more information about insurance rates after an accident check out

How Much Will My Car Insurance Go Up After An Accident? | Bankrate

Renters and car insurance

Posted on by Fred Gonzalez
Car Insurance

Car insurance prices are typically lower in smaller cities compared to bigger one. As an example, car insurance San Antonio, TX is priced higher than car insurance Laredo, TX. Therefore, we need to look for discounts in every possible fasion. First off, insurance companies in part will base their rate on geography. Thus, a good insurance agent will try to maximize all discounts. An auto insurance quote in San Antonio, TX will be different from an auto insurance in Laredo, TX. Consequently, the rise in insurance cost is due to an increase in traffic on the roadways. Bigger cities have more traffic than compared to smaller cities.

What to do to lower your Car Insurance Rate

The good news is that there are ways to bring down the cost of car insurance in San Antonio, Tx. For example, you may qualify for a significant discount if you buy renters insurance with the company that insures your car insurance in Laredo, TX. Moreover, you will gain coverage for your personal belongings against perils like fire.

There’s another discount that may be overlooked. It is not exactly a discount but a rating factor. For example, your occupation influences the car insurance rate. As an example, teachers tend to obtain better rates than construction workers. This could be because, construction workers may visit jobsites. Along with added drive time there may be additional hazards. Moreover, safe driver or multicar discounts will help soften the cost of the car insurance San Antonio.

Lastly, but try to avoid any moving violations. Moving violations like speeding tickets greatly impact car insurance prices.

Call us today for more information. We have local insurance agents ready to help with your car insurance in Laredo, TX or your car insurance in San Antonio, TX.

Call us today for free insurance quote in San Antonio or Laredo

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Contact AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

Check out this other resource from Money Geek: Tips and Strategies to Reduce Your Car Insurance Costs | MoneyGeek.com