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12500 San Pedro
Ave Suite 150
San Antonio,
Texas 78216
Office 210-499-5433
Fax 210-499-1192
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Access Insurance Services

15600 San Pedro Ste 401
San Antonio, TX 78232-3739

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3 Reasons Why Who You Have for Homeowner’s Insurance Matters

You have to have a homeowner’s insurance policy if you have a mortgage company. However, you should continue to have insurance for the entire duration of time you own your home, whether you pay it off or not. Not all insurance companies are created equal, so the company you choose for your insurer matters for several reasons.  

1. You and Your Family Rely on the Company

You and your entire family rely on the company. You rely on them to educate you when you need it. You also rely on them in the event of an emergency. You want a company who is reliable. You need a company who is going to act fast in the event something happens to your home because you don’t want to be inconvenienced without a place to live for any longer than you need to be. 

2. You Have to Deal with Them

You have to deal with the insurance company you have, so you should opt for one with outstanding customer service. You want to know when you call you have a company who holds representatives accountable for their disposition and willingness to help you. You want a company that you can call anytime during business hours and get your questions answered. You’re paying for a service and deserve to get respect and consideration. Additionally, if you have any concerns, you should be able to contact the company and have them addressed. You need a company that puts your needs first. 

3. You’re Trusting Them with Your Biggest Asset

Your home is more than likely your most valuable asset. You need a company that you can depend on when you have that much at risk. 

Contact us today to open a policy and get an insurance policy with a company you can rely on. Call us at Access Insurance Services, serving San Antonio, TX, at 210-499-5433.  

5 Things to Do When You’re In a Fender Bender

You do everything you can to avoid being in a San Antonio, TX traffic accident, but the fact is you’ll probably be involved in one at some point in your busy life. It’s a stressful moment, to see your car dinged, scratched and dented. But with some helpful tips from Access Insurance Services, you’ll be able to get your car fixed and back on the road as soon as possible.

  1. Are You Okay? After the impact, take a deep breath.  Are you hurt? If your neck, head, back, or chest aches, wait for medical attention to arrive. You could be injured worse than you think.
  2. Call the Police: If nobody is hurt, place a non-emergency call to the local authorities to file a report. If it’s just a fender bender, don’t call 911 unless the other driver is visibly angry and threatening. A police report helps to speed up the insurance process. An officer can provide an objective point of view and help you stay safe in a stressful situation.
  3. Take Pictures: Your smart phone is your friend. Snap images of your car, the other car, the intersection and any traffic signs like speed limits, stop lights, and yield. If the other driver allows, even take a picture of them. It can help you remember who was driving when you fill out paperwork.
  4. Exchange Information: Make sure to provide your name, driver’s license, and insurance information to the police officer and the other driver. Copy down or take a picture of their license plate.
  5. Call Your Insurance Company: The faster you report the incident, the faster you can have the damage appraised on your vehicle, receive a check and get it all fixed.

For more tips on how to make the most out of your San Antonio, TX auto insurance, give your agent at Access Insurance Services a call today.

Tips for Parents of Teen Drivers

Statistics show that more than 2,200 teens are fatally injured in car crashes every year in San Antonio, TX and all along America’s highways. Believe it or not, those deaths don’t come from DUI, driving too fast, or talking on cell phones. The number one reason for the deaths of many of these teens can be put down to the fact that they are inexperienced. Remember, the one person who can get through to your teen and teach them safety when driving is you. Access Insurance Services has compiled a couple of tips to help you encourage your teen to be a safe driver

Talk to Your Teen

It’s extremely important to sit down and talk to your teen driver way before they are old enough to drive. No matter how much practice your teen has, when they get out on the road alone, most of that goes out the window. Talking to your teen and telling him/her there will be consequences for breaking the rules you set down for driving privileges is the first step towards keeping your teen safe behind the wheel. 

Make Your Teen Sign a Driving Agreement 

Many teens, like many adults, learn visually. Sitting down to talk to your teen is important, but typing up a written agreement can very well make the rules clearer to them. Type up your rules for driving, print them out, and have your teen driver sign the agreement. Make sure you put the consequences of breaking even one of those rules on the agreement as well. 

Remember, you are the number one barrier between your inexperienced teen driver and disaster. All it takes is one second and once they are gone to can’t get them back. The experts at Access Insurance Services in San Antonio, TX are here to help. 

Ensure You’re Covered for Hail Damage

In April 2016, San Antonio experienced what is now considered the costliest hailstorm in Texas history, with damage exceeding $2 billion. That storm, plus additional hailstorms that rolled through the area a few days later, left cars and roofs hammered into a mess of twisted metal and broken glass. Unfortunately for some homeowners, they found out that not all of the hail damage was covered by their insurance. If you live in or near San Antonio, TX, you need to call a local insurance company like Access Insurance Services to see exactly what coverage you have and what you need to get.

Some Coverage but Not Complete Coverage

Your average home insurance policy in Texas should cover at least some hail damage. The Texas Department of Insurance notes that policies usually cover hail, wind, and hurricane damage in general — but hail damage to plants and trees is often not covered. That can create an expensive mess for homeowners if a hail-damaged tree needs to be removed from their yard, for example. No one wants the tree to fall and create more damage, but removing those can be expensive if there’s no insurance coverage to help out.

The solution is to go over your home insurance with your agent and see exactly what hail-related situations would trigger coverage. Sometimes it’s just a matter of increasing your general coverage; if you’re paying higher premiums for more coverage, your insurance company may be more likely to cover additional hail damage and preventative actions. You might find you have to add a rider to your insurance specifically to cover hail, instead.

Give your insurance agent a call; if you can’t get adequate coverage there, contact Access Insurance Services, serving San Antonio, TX, to discuss a comprehensive policy.

3 Reasons to Have Homeowner’s Insurance in San Antonio, Texas

When you own a home in beautiful San Antonio, TX, chances are you have homeowner’s insurance, even if you own your home outright and do not have a mortgage with a bank. This is because there are many benefits to having homeowner’s insurance in the event that something you never expected to happen suddenly happens. Here are three reasons to always have home owner’s insurance in San Antonio.  

1. Theft

You may think that getting your house robbed won’t happen to you, that you live in a safe neighborhood where people don’t even need to lock their doors. But home theft does happen and getting robbed always happens when you never expect it; when you’re on vacation or at work, for example.  If you have homeowner’s insurance, however, you are covered and any valuables that were taken can be reimbursed.  It’s advisable to keep most valuables, like jewels, and important documents like passports, social security cards, and birth certificates, in a secured place like a safe.  

2. Required by Lender

When you have a mortgage on your home with a lender, homeowner’s insurance is required. The home is an asset worth a lot of money and banking institutions want to be certain that you are insuring this asset before they give you a loan to purchase it.  

3.  Peace of Mind

Having homeowner’s insurance gives property owner’s peace of mind. Knowing that in the event of a theft or other situation that requires a substantial amount of money to replace or in liability, homeowners are protected with their homeowner’s insurance policy in San Antonio, TX.  

At Access Insurance Services, we work with our customers to find the best policy for their home insurance needs.  Call us today at 210-499-5433 and a friendly agent at Access Insurance Services will answer all of your questions about shopping for a homeowner’s insurance policy in San Antonio.  

 

 

 

 

How Your Credit Score Impacts Your Car Insurance Rate

One question you may have wondered is, does your credit score impact car insurance rates? The short answer is yes if you live in San Antonio TX. The relationship between credit scores and car insurances rates is a little more complicated.

Factors

There are multiple risk factors that impact your insurance rate including driving record, gender, age, model of car, where it’s parked at night and credit score. Using credit scores to set insurances rates has been around for over 20-years. A 2003 study conducted by the McCombs School of Business at UT-Austin and a 2007 study performed by the Federal Trade Commission found that there is statistically a correlation between a client’s credit score and the amount they cost the insurance company.

The UT-Austin study analyzed 175,647 random individuals and determined the lower the credit score, the higher probability of loss on a policy. The FTC study determined that credit-based insurance scores are excellent risk predictors in that scores predict the number of claims filed and total cost. Therefore, high-risk consumers pay higher premiums and low-risk pay lower premiums. Insurance companies do not use the traditional score in which clients are accustomed. Instead, they create their own score using Experian or FICO ratings.

Cost Mitigation

Using your credit score as a factor for insurance rate is legal in all states except California, Hawaii and Massachusetts The simple answer to mitigate costs is improve your credit history by paying bills on-time. Regularly check your credit report to ensure there aren’t any errors that could be dragging down your credit rating. Additionally, there are insurance companies that weigh credit score as less of a factor than others, such as Access Insurance Services. Call them today to determine your automobile insurance rate, regardless of your credit rating.

5 Tips to Cutting Auto Insurance Costs While Retaining Adequate Coverage

If you must cut back on auto insurance due to a tight budget, look for ways that won’t compromise your coverage. The following tips from Access Insurance Services in San Antonio, TX, can help you reduce auto insurance costs and still retain adequate coverage.

Raise Your Deductible

The deductible is the amount of money you pay when filing a claim before your insurance steps in. The higher your deductible, the lower your insurance costs. If you have financial reserves that could be earmarked for auto repair if necessary, you could increase your deductible to save money on your premium.

Bundle Your Home and Auto Insurance

Purchasing your home and auto insurance or insurance for multiple vehicles from the same company could qualify you for a discount on your premiums. Your Access Insurance Services agent in San Antonio, TX, can give you greater insight into saving money by bundling your insurance.    

Comparison Shop for Lower Prices

Car insurance prices vary from company to company. By shopping around, you may find the coverage you desire at a lower price. Be leery, however, of compromising quality service for cheap insurance prices as what you save in coverage could backfire on you when you file a claim.    

Reduce Coverage for Older Vehicles

If you drive an older vehicle, consider dropping comprehensive and collision coverage to reduce your insurance costs. Neither of these are cost effective for older vehicles due to value depreciation. You can still retain liability coverage to cover third party injuries and property damage as well as personal injury protection, if you desire, to cover your own injuries in the event of an accident that you cause.

Raise Your Credit Score

Insurers often use your credit score to determine the cost of your auto insurance. A good credit score could result in your paying a lower premium. If your credit score is low, look for ways to raise it before renewing your auto insurance.  

 

Consumer Home Insurance Tips in San Antonio, TX

Access Insurance Services operates as an independent insurance agency sorting through multiple top carriers to find the best connection for your homeowner needs. Getting quotes from several companies is at the top of the consumer home insurance tips in San Antonio, TX.

Have a trained agent do what they do best-making connections for your homeowner needs. Access Insurance Services knows the business. Why would you want to spend time searching online…when they can do it for you?

Consumer Tips in San Antonio TX

Texas is the third most expensive state when it comes to insurance-that’s why these tips are money saving nuggets. There is always a way to save some money.

  • Insurance companies in Texas sell many different types of insurance policies. San Antonio can have some dangerous weather conditions such as; hailstorms, earthquakes, and floods. Make sure you read the insurance policy and talk to the insurance agent to make sure you are covered in your area for whatever may blow in.

The National Flood Insurance Program (NFIP) is a federal program that enables residents and commercial businesses to purchase flood protection in San Antonio due to the fact that most basic homeowner policies do not include flood protection.

  • Ask your San Antonio TX insurance agent about discounts for homeowner policies.
  • Lower your premium by increasing your deductible.
  • Keep a great credit score. Some companies use your credit score as a scale of how much to charge or save you on your policy.
  • More factors to consider when looking for homeowner insurance- is to check out the company’s license status, complaint’s made, and financial rating. The insurance companies financial rating reflects their financial strength and stability.

Check out more consumer tips with Access Insurance Services located in San Antonio, TX.

 

 

 

 

It’s a New Year. Time to Review Your Home Insurance Inventory

Happy New Year! While others may have struggled in 2016, it was good to you and your family. Which is why now is a great time to review your San Antonio, TX home insurance policy.  While the structure of your home may still be adequately covered, the growing business, new wine collection, and new jewels for your wife may not be protected against the uncertainties of life. Access Insurance Services encourage you to take a good look at your inventory and update your home insurance for the new year.

Full Replacement vs. Market Value Replacement for Your Possessions

If you purchased a standard home insurance policy years ago when you bought your home, it may have only come with market value replacement for personal possessions. If your home was lost due to a fire, items that do not devalue with time and serve as part of your investments may benefit from a full replacement cost option. Coins, jewelry, art and other unique items should be listed on your inventory for full value.

The Family Tech Center

Most of the time electronics lose their market value over time. Replacing an inexpensive BluRay player from the big box store is no major concern. However, if you have had a premiere movie viewing lounge installed, you will want to itemize it on the inventory. High-end computers and software may require specialized listing.

Even the Shoes and Handbags

If the lady of the house collects designer shoes, you will want to include the irreplaceable fashions on the list, such that you can be adequately compensated in the event of theft or fire.

The agents at Access Insurance Services are available to answer any questions you might have about your San Antonio, TX home insurance and look forward to helping you update your policy.

Preparing for a Road Trip

You are out in the middle of nowhere with the car full of your family. Those of us who work at Access Insurance Services in San Antonio, TX know how really big the state of Texas is because we travel around it constantly.

Going on a road trip can be fun and exciting. It can also be a disaster if you are not well prepared.

Here are some tips on what to take along for an extended road trip:

Got kids? Video Games are Your Newest, Best Friend.

The good news is that you will fall in love with the amazing addictive qualities of video games. Make sure your kid(s) has a laptop that can play the newest hottest video games. Get the new releases right before going on the road trip. Make sure there is an adaptor to recharge the laptop batteries from what used to be called a "cigarette" lighter in the vehicle and now is more appropriately called a utility outlet. The main thing is, you do not want your kid to run out of battery power while playing the video games. Make sure they use a quality set of over-the-ear headphones that block all the sound. If you need to communicate with your kid, you will have to tap them on the knee. You will appreciate the many hours of bliss while your kid plays an addictive video game.

Emergency and First Aid Supplies

Buy a large cooler and fill it with three days of emergency supplies. Make sure you have three days of water. Take along a first aid kit and a water purifier. The water purifier will allow you to clean and drink any found water or use the water from the radiator in an extreme emergency. Texas has deserts that will kill people both in the winter and in the summer.

Spare Auto Repair Parts

Have an extra supply of all the possible things that can break. Check the spare tire and carry a fast inflate air can with tire repair solution inside. Have an extra set of belts, spark plugs, enough oil for an oil change, an air filter, a gas filter, spare fuses, and lamps.

Summary

If you take along these things you will have a wonderful road trip, even if you encounter a challenge or an emergency. Be sure to check with your agent at Access Insurance Services in San Antonio, TX and let them know what states you will be traveling to and if you plan to cross the border to drive into Mexico in order to make sure you have adequate auto insurance coverage.