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Guaranteed Savings*
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User-friendly tools let you research new and used vehicles, see available incentives and show how much you’ll save. Receive a price and your Guaranteed Savings before even talking to a dealer. And used cars show dealer-guaranteed prices right on the site.
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See how much you could save at: hartfordautobuying.com
Authorized Hartford Insurance Agent Austin Insurance Group
*Actual price set by the dealer and prices vary by area. Guaranteed Savings not available in all states. See site for more details on customer savings.
With the Multitude of Make, Model and Option Choices Available today…
…buying an auto is enough to make your head spin. Obviously your emotions–your feelings about driving and your preference for certain auto makes or models–will play a role in the decision process. But, the smartest place to start is by thinking about you and your needs. To be sure you make the smartest choice, you’ll need to do some homework.
Know Your Car Style Don’t necessarily think auto model, think auto use. If you know the answers to the following questions, you can help yourself determine which auto best fits you.
1. What are the primary and secondary uses of the auto?
2. What will be in the auto most of the time?
3. How often will the auto be used?
4. Where will you be driving?
5. What features do you consider most important?
6. What are you willing to give up?
The Education Process Once you have a clean picture of what you need, you may be tempted just to head to a dealership. Think again. Investigating your choices ahead of time will save time and aggravation–and maybe even money.
Visit the library or bookstore to do some basic research. Becoming familiar with current prices and features can be especially helpful if you haven’t purchased a car in a few years.
Make a list of all the important features and options you personally want or need in a car. Then write down all the models that have those features. You may find a few more cars on the list than you expected, giving you a bigger pool from which to choose. Or you may find that only a few autos fit your needs, which will save you time when you do head to the dealership.
Budgetary Issues New or used, buy or lease, you need to know all the costs involved in getting your next car. Even if an auto is a great deal and the financing options unbeatable, you may find that makng those monthly payments puts an impossible strain on your budget.
If you are not sure how much you can afford, talk to a financial advisor or get pre-approval on an auto loan from a bank. Professional advice in the area of financing will let you know ahead of time how much you can really afford.
Once you set your price range, stick to it. The trick is getting the car you need, for the price you can afford.
Don’t forget that owning an auto costs more than the monthly payments. Gas, maintenance, taxes and insurance should all be figured into the cost of ownership. Ask your insurance agent for an estimate of auto insurance costs.
You’d Better Shop Around Compare sticker prices with the estimates from your research. Review the standard and optional features listed. When you are ready, get brochures, take test drives and ask the salesperson for information. Ask about everything from warranties to service department hours and loaner policies.
Next, it’s time to negotiate a deal. The difference between a dealer’s invoice(estimates are available from automotive magazines and auto pricing services) and the price listed on the sticker is your bargaining range. The more information you have on exactly what the dealer pays for the standard package and for each option, the stronger your negotiating position. It also helps to know whether the manufacturer is offering any cash rebate offers or factory-to-dealer incentives.
The popularity and availability of a particular car will also factor in how willing the seller is to negotiate. And keep in mind that when you shop may make a difference in the final price you pay. The end of the model year (September and October) favors consumers because that’s when dealers are reducing inventory to make room for next year’s models. December, when more folks are worried about holiday shopping than car shopping, is another good time. Then end of the month, when salespeople are trying to fill their quotas, is also prime deal-making time.
Please Lease Me! Leasing is an increasinly popular way to get a new auto.
Advantages:
1. A down payment may not be required.
2. Monthly payments are generally lower.
3. Enjoy a new car more often.
4. Conveniently turn in the auto at the end of the lease than negotiating a trade-in value or sale.
Disadvantages:
1. You get no trade-in or resale value at the end of the lease.
2. Steep charges to break the lease early.
3. May be charged for excess mileage or excessive wear and tear.
4. If you choose to purchase the auto at the end of the lease, you may end up paying more than if you purchased the car in the first place.
Second Hand Rose Most of what you’ve read so far has been directed to the new auto buyer. Buying used is very similar to buying new. You need to assess your needs, estimate what you can spend and do your homework.
You have one additional variable to consider–wear and tear. If the car hasn’t been in an accident, has been well-maintained and runs well, you may have yourself a first-class car at a discount price. However, if you think you’ve found a good one, have your mechanic check it our before buying.
To figure out the going price for a used car, check your local classified ads and consult one of the used car price guides available at the library, such as the Kelly Blue Book Used Car Price Manuel (commonly called the Kelly Blue Book), which lists estimated values for used cars based on what car dealers are paying for various makes and models. Keep in mind that price guides aren’t the final word on a car’s fair value and that factors such as mileage can change a car’s value considerably.
Progressive EPLI (Employment Practices Liability Insurance) comes with free legal services-and peace of mind!
Small business owners are experts at their trades. But, they rely on EPLI to protect their livelihood. Get the coverage you need and a whole lot more with Employment Practices Liability Insurance from Progressive, available through ABA Insurance Services.
At no additional charge, you will receive employment-related legal services from one of the nation’s leading employment law firms, Littler Mendelson.
HR Risk Manager included
Customers of ABA Insurance Services receive a complete HR Risk Manager Services Package, which includes free employment law hotline advice, employment policies, law resources, a Human Resource forms library, and more.
Our EPLI Coverage boasts all of these features:
Underwritten by XL Insurance (“A Rated”)
Limits up to $2M and Retentions as low as $2,500 ($10,000 California)
Premiums as low as $500
FLSA coverage enhancement (except California)
Wrongful Internet Coverage
Full Prior Acts coverage
Third Party Liability available for most classes
Defense Outside the Limits available
Coverage for leased employees ad independent contractors available
Progressive SR22 Insurance Pflugerville TX – quotes in about 6 minutes.
Whether you own a vehicle, or not, Austin Insurance Group can handle your SR22 filing.
The first step for your SR22 filing is to get a quote for auto insurance.
Next, purchase the insurance policy and an SR22 will be filed for you, any where in the United States.
Finally, Department of Motor Vehicles (DMV) will process your filing in about 21 days and you will be ready to drive.
Progressive SR22 insurance Pflugerville TX : We are the local agent for Progressive SR22 Insurance Pflugerville Tx, Cedar Park, Austin and can insure you wherever you live in Texas.
Get an online insurance quote or call one of our local offices and we will help you get started. If you need an SR22 filed in Texas, compare rates with multiple companies. If you need an SR22 filed in another state, Progressive is the only company that can do the out-of-state filing for you.
Purchase The Best Insurance Policy Fit for your Needs.
Keep in mind, that the cheapest insurance, may not always be the best. It’s important to find an agent that can explain the importance of your coverages. You have options, during your SR22 filing, and after.
Some states allow electronic SR22 filing, others are sent by mail.
Depending on the state your license is in, most insurance companies will automatically file the required SR22 forms for you within 24 hours.
You will be required to carry the SR-22 for a specified period of time.
Your filing requirements will vary by state. You must carry continuous insurance during a specified period of time before the SR22 status is removed. Similar to a probationary period after a criminal offense. When you fulfill this requirement, your SR-22 filing status expires and you will no longer be required to carry an SR22. If your insurance policy cancels or lapses, your auto insurance carrier is required to notify the state and your license will be suspended again, usually by filing a separate form with the state (called an SR-26 in many states).
What to do Next:
Request a quote online or by phone. Contact our office today for more information on Progressive SR22 insurance Pflugerville Tx, Cedar Park, Austin, or anywhere in Texas.
Austin – Cedar Park – Pflugerville SR22 Insurance For All Texas Counties
(Texas and Out-of-State Filings)
Progressive Text Messaging Reminder Options Now Available for Customers!
You can now sign up to receive payment reminders and payment confirmation* on your mobile phones. This service is different from our weather alert service and will require you to opt-in to receive it.
The Benefits:
This a quick and easy way to receive payment information from Progressive. Enrolling is easy:
Click on the “Edit Profile” link at the top of the page
Under “Edit Profile” click on “Change Email and Phone Preferences“
Under “Message delivered to” click “Edit” next to “Mobile” then enter their phone number and service provider**
Hit the “Submit” button.
To activate this service, you need to reply to the initial text with “YES”. You can opt-out at any time. If you have any problems with enrollment, please feel free to contact technical support at 1-800-876-5581.
If something bad happens to your bike or to other people while you’re riding your bike, you’ll want to know why it’s important to have bike insurance.
This article is to raise awareness that there are different forms of bike insurance. If you want to find out more, ask your insurance agent, and make sure you understand your insurance coverages and policy.
Bike insurance will not usually insure you against injury or death while riding your bike, that is a different type of insurance. (Health and life insurance).
Today we’re dealing with damages to your bike and other stuff.
Bicycle Insurance
What happens if you hit a parked vehicle and you break your bicycle and damage the other vehicle; you leave the office and your bike is gone; you return to your locked bike only to find it damaged or a wheel missing; or you stand at the baggage terminal and your bike bag doesn’t show up.
Bicycle & Equipment insurance will be essential for any cyclist for a damage or loss.
Why Buy Insurance?
Bikes can be expensive. When you compare the cost to insure your bike, it’s a small price to pay to protect your assets as compared to what you spend on your cycling equipment.
What Is Bike Insurance?
Bike Insurance provides coverage specifically for cyclists where other more general insurance such as Home Insurance may not. It is designed for the cyclist to protect property in the event of damage and loss in situations such as accident and crash damage, loss through theft.
“Self Insurance”
There are many things to consider. The first question is whether you want insurance at all. Many people, whether deliberately or not, choose a little product called “Self Insurance”.
Sounds good until you realise that self insurance is simply taking on the risk yourself, ie. no insurance. Many cyclists choose to “self insurance.” That’s ok, however you should be aware of the risk.
Potential Bike Insurance Risks
Here are a few of the potential bike insurance risks:
Property (not just your bike) damaged in an accident;
Damage to someone else’s property caused by you on your bike;
Driving into the garage with your bikes still on the roof rack;
Theft (at home or somewhere else);
Damage while traveling or racing
Who Offers Insurance For Cyclists?
Typical home and contents policy (which can be fine for many people – checking your current policy can be a good start), insurance tailored for cyclists is also offered through insurance companies offering bicycle specific insurance and cycling associations.
Cycling Associations
Cycling Associations typically offer members a level of insurance through membership. The types of insurances offered can cover all types of cyclists including recreational cyclists, commuters and racing. But, check the policy.
What Other Types Of Coverage Is Out There?
Home Contents
Usually you can insure your bicycle under a home contents policy but this may not provide adequate protection. Most Home Contents insurance covers the bicycle in the home, but is unlikely to provide protection away from home while out riding or racing and most likely will not provide protection against damage or liability. Most insurers require the bicycle to be listed (particularly if it’s high value) on the policy and may cap the value of accessories/equipment.
Travel Insurance
Travel insurance protects against damage or loss while travelling and there are a range of specific travel insurers and some Bicycle Insurers offering travel Insurance.
What To Look For
The problem with insurance is that each policy is very complicated and its not until you start reading the fine print that you find the differences. Obtaining an absolute statement on policy cover is extremely difficult when making a comparison between policies and of course every insurance claim is treated differently.
Tailor your insurance coverage to suit your needs and try not to buy insurance only based on the premium, choose on the level of coverage that will protect you the most.
Some quick questions for your insurer may include:
Am I covered while using my bike?
Am I covered while the bike isn’t at home?
Am I covered for liability in the event of an accident and if so does this cover both personal injury and property damage?
Am I covered for theft and other damages?
Am I covered while racing?
Am I covered if I am overseas?
When considering policies there are many details to consider, some include:
What is the limit on the maximum payout values?
Most policies offer ‘new for old’ replacement policies however some have restrictions;
Additional premiums may apply for accessories;
Some damage may be considered repairable rather than replaced;
Some accessories and equipment such as wheels may be required to be listed separately;
Some insurers may require the use of specific locks;
Some content insurers may not cover bicycles away from the home or require to the bicycle to be listed on the policy; and
Some insurers offer a range of other insurances from Life to Travel insurance which may offer the convenience of bundling policies and insuring with the one company.
Don’t take your current insurance for granted. Consider all options, take photos of your property, keep receipt and other records, record serial numbers, be aware of replacement values, talk to your riding buddies, seek advice from an independent insurance advisor and always ask questions covering a wide range of circumstances.
Disclaimer: This information is presented ‘as is’ and is not presented as insurance, financial or legal advice. This information is offered as an overview and is not a complete list of policy coverage, terms, exclusions or conditions. Ensure you read the Insurers Product Disclosure Statement, discuss the policy with the relevant insurance company and make decisions based upon your own individual circumstances. Insurance coverage is subject to the Terms & Conditions of the insurance policy. Insurance Policies are renewed periodically and subject to change at any time without notice.
An SR22 filing is a form that shows proof of your insurance policy.
It is a certificate of insurance that is filed with the Texas Department of Public Safety (DPS) showing proof of insurance for the future, as required by law. SR22 Texas insurance is not necessarily high risk insurance. It is motor vehicle liability insurance, with an SR22 filing which requires the insurance company to certify coverage to the Department of Public Safet (DPS). The insurance company must notify DPS anytime the policy is cancelled, terminated or lapsed. Please contact Austin Insurance Group today. We are authorized to write liability insurance for the State of Texas.
An SR22 filing is usually associated with the following:
Driving without insurance
A traffic infraction such as a DWI, DUI or any serious moving violation
At-fault accident while driving without insurance
Repeated traffic offenses or if you get too many tickets in a short period of time
Suspended or revoked license
Failure to comply with the requirement usually will result in suspension of driving privileges. The SR22 Form requested by a licensing authority can be issued by an Insurer in your state. The coverage represented must meet the minimum limits. In Texas, 30/60/25 ($30,000 per person bodily injury liability/$60,000 per accident bodily injury liability/$25,000 property damage liability is the minimum required by law. The SR-22 Filing form indicates financial responsibility from the Insurer to the state on behalf of the named insured.
Texas SR22 Insurance is Auto Insurance. It could be an owner’s or non-owner’s policy that has a Financial Responsibility filing(SR22 Form Filing). This form is sent to the state that has required it and filed by your insurance company. The Sr 22 insurance form is an endorsement to your auto liability insurance policy.
What is SR22 Filing?
Contact our office today for more information on SR22 Filing.
Request a quote online or by phone
Austin – Cedar Park – Pflugerville SR22 Insurance For All Texas Counties
(Texas and Out-of-State Filings)
Get the FAQs about SR22s then get an instant quote online, or contact our local agent for details. The following answers apply to our clients who get insurance through our office with Progressive.
You have the following options for a same day SR22 insurance filing.
In most cases, we can have your certificate ready and available as a same day SR22 Insurance service. Progressive SR22 Insurance offer same day sr22 filing.
Free SR22 Instant Electronic service processed by Progressive within 24 hours.
Texas Filings or out-of-state filings.
You can file it yourself at your local Drivers License office.
If you have an attorney to handle this matter for you. Provide it to your attorney. But having an attorney is not necessary in most cases and you can file an SR22 through your insurance agent without incurring the extra attorney fees
