817-485-5050 info@schwabagency.com

Auto insurance for old cars

You may think that your auto insurance premium would decrease as your vehicle gets older. However, your auto insurance premium is not only determined by the age of your vehicle.

Your premium rate depends on several factors that go beyond the value of your car, including your insurance history, driver’s record, location, and other variables. Here are the reasons why auto insurance for old cars does not decrease:

  • Older cars, especially when not maintained regularly, are often prone to accidents. At the same time, they may not be equipped with the latest safety features that a new model car has. These may lead to requesting claims frequently and increase your premium rate.
  • In case of a collision, the financial liability will remain the same irrespective of your vehicle’s age. Hence, if you have totaled someone’s car or someone has filed a lawsuit against you, the insurer will have to pay the full sum.
  • Besides covering the damage caused to someone else’s vehicle, auto insurance also covers the minor accidents that your car encounters. The cost of repair increases as the vehicle gets older, but your insurance will cover these costs.
  • Also, the cost required for settling medical care, rehabilitation costs, loss of income due to disability, or even funeral expenses in case of accidents mostly remain the same.
  • Not only new cars but older cars are also at risk of theft. In this case, your insurer will have to reimburse you regardless of the age of your vehicle.

In all the above situations, your auto insurance will protect your car and cover the damage. This is why the auto insurance rate does not drop as your vehicle gets older.  To buy the best auto coverage, contact the experts at The Schwab Agency in Colleyville, Texas.  We look forward to getting you covered.

home insurance quote agencies

Your home is one of the most valuable assets for you and your family. Keeping your house safe should be one of your top priorities, and you must be willing to secure it in all possible ways. Protect it from external threats by getting homeowners insurance.

Experts at various home insurance agencies are trained in evaluating risk factors like local weather, crimes, and disasters to provide a suitable quote for you. Following are a few factors to be aware of:

Weather and Natural Disasters

If your house is located in an area prone to natural disasters like floods, earthquakes, and hurricanes, the likelihood of you claiming your insurance would increase. This will cause the insurance premium to go up.

Crimes and Vandalism

If you live in an area where the rate of crimes such as break-ins, vandalism, and property damage is high, your insurance premium will be higher.

Credit Score

Your credit score is a big factor that will determine whether your insurance application gets accepted or not. A poor credit score generally faces higher premiums or may even be denied insurance.

How to Get High-Risk Homeowners Insurance

Here are some simple ways to help you get your homeowners insurance.

Ask Around the Neighborhood

If you are getting insurance for the first time or recently moved to a new location, a great way to decide is to talk to other people in the neighborhood. Ask your neighbors about their insurance policies and recommended providers that offer homeowners insurance in Colleyville, TX.

Contact an Insurance Agent

If this is your first insurance, you might get overwhelmed with the number of unknown procedures. Under such circumstances, it helps to be in touch with an insurance agent who will guide you along your way.

Research well and read all the related documents of your insurance policy before purchase. For more information regarding the best homeowners insurance in Colleyville, Texas, contact the experts at The Schwab Agency. We look forward to getting you covered.

motorcycle insurance quote agencies

A motorcycle ride can be fun, especially in a group. Whether you are a passionate motorcyclist or just another person with a bike, a ride with your buddies can act as a huge stress reliever. These days, bike riding is seen as a recreational activity. However, riding is not 100% risk-free. The risks increase when you are riding in a group.

Follow these tips to ensure your safety:

Plan Ahead

Always plan your route and stops before you hit the road. Impulsive decisions will not work out well as you cannot communicate easily with other members while riding. Such actions will also increase the risk of road accidents.

Make Sure You Are Fully Equipped

Always double-check your gear and equipment before starting a trip with your motorcycle group. Make sure that your motorcycle is in excellent condition because if it breaks down in the middle of a ride, you will be slowing down all your fellow riders as well.

Additionally, a poorly maintained motorcycle will increase the chances of damages that may put you in a situation where you would need to claim your motorcycle insurance.

Learn to Communicate Via Sign Language

You cannot communicate easily with fellow riders while riding. Use hand signals and gestures along your ride when you wish to express something. Plan and discuss your gestures ahead of time so that both parties can understand the messages easily. Never forget to use your motorcycle’s indicator lights while making turns.

Get Motorcycle Insurance

In any activity, safety always comes first. Roads are becoming increasingly dangerous due to more number of people commuting for various purposes every day. Look for motorcycle insurance in Colleyville, TX, to secure your vehicle.

Group riding can be a great recreational activity, but make sure you never ignore your safety. Want to learn more about securing an insurance plan for your vehicle? Contact the experts at The Schwab Agency. We will help you get the best motorcycle insurance in Colleyville, Texas.

recreational vehicle insurance

There are numerous factors to consider before buying a recreational vehicle, from the model to the value of money. The seller will give you minimum information, so it is up to you to get more details. Inquire about various factors, most importantly, about the RV insurance quote. Keep the following factors in mind before purchasing an RV.

Do Not Rush

Purchasing an RV requires a significant investment. In the excitement of buying a luxury vehicle, customers tend to focus only on the appearance of the RV, failing to notice other essential components like the plumbing system, resale value, recreational vehicle insurance, etc. Do not rush and do adequate research before buying it.

Know its Real Worth

Whether it’s brand new or second hand, every RV has a value. The moment a new RV leaves the seller’s lot, its value drops by 25%. Therefore, consider buying a used RV, if you find one in good condition.

Costly Maintenance

You will need to spend a lot annually for the maintenance of an RV. Maintenance of the brakes, bearings, bushings, moldings, doors, etc. is expensive. If general maintenance is performed regularly, an RV can last up to 15 years.

RV Insurance

Once you purchase an RV, apart from the buying cost, you will have to pay for licensing, repair work, maintenance, etc. Thus it is advisable to buy insurance for your RV. Companies selling the best RV insurance in Colleyville TX will inform you about underwriting factors like the coverage available, requirements of the state, rates, etc.

Make sure you are aware of all these facts before purchasing an RV. Owning an RV goes far beyond just driving one around. It involves significant expenses and maintenance, which can gradually be tiresome. Contact the experts at The Schwab Agency in Colleyville, Texas, for all your questions about RV insurance.

life insurance coverage

There are many doubts when it comes to getting life insurance. Most of the time, it is purchased for risk management in case of sudden sickness or death. Do you still wonder whether life insurance is a worthwhile investment or not? The following facts will help you make an informed decision.

No Taxes on Interest

Investing money is art, and not everybody is good at it. Some of the best life insurance plans will have options where you will not be required to pay taxes on any interest or capital gains until you decide to withdraw the proceeds.

The Benefit of Paying the Premium on Time

Permanent life insurance plans allow you to keep the policy for as long as you want, provided that you pay the premiums on time. If you have dependents and are worried about their wellbeing after you are gone, then permanent life insurance plans are just what you need.

More Benefits If You Are Sick

Depending on the cause of your death, your family will be able to receive 25% to 100% of your life insurance death benefit. You can also take advantage of the accelerated benefits of term insurance in case you fall sick. You can use the benefits to pay your medical bills.

Borrow Against the Cash Value

You can always borrow money against life insurance’s cash value, for urgent situations like paying tuition fee, unforeseen medical expenses, etc. Other investment plans do not allow you to take out money for such emergencies.

While looking for life insurance in Colleyville, Texas, research well before deciding on a plan. Need assistance in choosing the best policy? Contact the experts at The Schwab Agency. We are ready to help you with all your coverage needs.

summer risks to your house

While summer can be a great time to play in your backyard and enjoy some outdoor activities, it is also the time when you need to stay safe from storms and bugs.

Here are some of the common summer risks and ways to prevent them:

Dangerous Bugs and Caterpillars

When playing outside, children can get skin problems, including stinging, redness, burning, and itching if they are exposed to bugs and caterpillars.

Teach your kids to stay away from disease or infection-causing bugs or insects.

Pests can cause minor or major skin problems, depending on whether you are allergic to them. It is good to check for the signs of bugs around your home and use bug spray or organic pesticides to kill them.

Wire Grill Brushes

Metal bristles on your grill brushes are one of the typical summer backyard dangers.

The best prevention tip is to use a wooden scraper or a natural-bristle brush instead of a wire grill brush, as all the debris from such tools will burn away with the grill fire.

Tick Bites

During the warm summer months, ticks are seen in abundance and usually latch onto bare skin when you are in your backyard. Use insect repellent and low-intensity pesticide spray to prevent tick bites and Lyme disease.

Lawn Mower Injuries

While lawn mowing can be exciting in summer, it can also get disastrous if not done well. There is always a risk of limbs getting caught in the blades of the mower if you’re not careful.

To remain safe, it is best not to tinker with your lawnmower, and if you don’t know how to use a stump grinder, make sure to stay far away from it while it’s in use.

Follow these safety precautions to prevent summer risks. You can also ensure your loved ones’ safety by getting the right insurance policy. For assistance with all your insurance needs, contact the experts at The Schwab Agency in Colleyville, Texas. We will help you get the coverage you need.

swimming pool safety tips for summer

Summer is the best time to take part in outdoor activities. Spending some quality time in the swimming pool is a popular summer activity. However, swimming can pose some risks, so you have to follow some tips to ensure everyone’s safety.

Here are some of the swimming pool safety tips that can help you enjoy summer:

Build a Swimming Pool Fence

One of the safety tips for swimming pools is to have a fence around them. A fence acts as a barrier that keeps kids out of reach to the pool when there is no one to supervise them. Make sure your fence has self-closing and self-latching gates.

Take Precautions

The area around your pool can be wet and slippery, leading to minor accidents. To avoid injuries and mishaps from slipping and falling, try to keep the area around your pool dry.

Supervise the Children

Always watch your children to ensure they follow safety tips while swimming. Also, do not allow them to swim alone.

Have Life-Saving Equipment Ready

Make sure you have life-saving equipment such as a rescue tube, life ring, or hook to rescue people if they accidentally fall into your pool. You’ll also need to have a first-aid kit accessible all the time.

Check Cleanliness & Water Quality

Murky or dirty water can encourage mosquitoes, bugs, and algae to grow. To prevent your family from water-borne diseases, make sure to keep your pool water clean and hygienic.

Follow these safety tips to have a safe swimming experience. Another way that would help you remain safe and secure is by getting the right insurance coverage. For assistance with all your insurance needs and questions, contact the experts at The Schwab Agency in Colleyville, Texas today. We will help you choose the right insurance that meets your requirements and budget.

motorcycle maintenance tasks in summer

As the temperature rises and days get hotter, it becomes essential to keep track of all the motorcycle maintenance tasks in summer to ensure that your vehicle is safe and running in good condition.

Here are some of the expert tips for motorcycle maintenance that you need to do in summer.

Replenish All Vital Fluids

It is essential to check all the fluid levels (coolant, engine oil, brake fluid) of your motorcycle. The engine normally generates a lot of heat, and the summer heat can make it worse. This can impact your vehicle’s fluid levels, so check them regularly and replenish if necessary.

Check the Tires

One of the important summer motorcycle maintenance tasks is to check the tire pressure. Make sure not to ride with over-inflated or under-inflated tires, as hot weather and long runs tend to heat and inflate them further.

Clean Your Engine’s Fin

The air-cooled/oil-cooled engines of motorcycles are specifically made to dissipate as much heat as possible. If your bike is not cleaned properly or the fins are dirty, it can be difficult to pass the air through them, and hence the engine heats up significantly. Make sure to clean your engine’s fins to avoid overheating.

Replace the Air filter

Check your air filter regularly as it can become clogged and dirty. Remove debris and replace the filter if necessary.

Check Your Chain

Before you go for a ride on your motorcycle, check its chain. Check it for any signs of damage, and repair or replace if required.

Make sure not to park your motorcycle in sunlight, as continued exposure to sunlight can heat the fuel tank and lead to wastage of fuel due to evaporation.

Get the right automobile insurance policy to keep your motorcycle safe and protected from unexpected incidents. For assistance with all your insurance needs and questions, contact the experts at The Schwab Agency in Colleyville, Texas. We are ready to assist you!

mental health

There is a strong correlation between news and mental health. Reading or watching the news continuously can be stressful and affect your mental health. A lot of people experience anxiety and stress, especially while watching negative news. So how can you stay stress-free when there is constant negative news?

Here are some tips for coping with the anxiety that you experience from watching the news:

Set and Follow a Time Limit

Continuously watching negative news can impact multiple aspects of our lives, including sleep, work productivity, and interactions with people. The best strategy to remain stable while being updated on what’s happening around you is setting time limits to watch the news.

Don’t Watch the News Immediately

We generally have a habit of staying glued to news channels or social media sites, especially in times of natural disasters, pandemic, and fire accidents. However, do not watch the news immediately after a disaster strikes, as it takes some time for journalists to get the correct facts. It is best to wait until the news channels flash more  accurate news. Watching half-truths and speculation can increase your anxiety and stress levels.

Do Not Focus Only on Bad News

Taking care of your mental health is important, especially in distressing times, including the COVID- 19 pandemic and natural disasters. Rather than just focusing on negative news, make an effort to watch good news, which can relax your mind and boost positivity. While you need to remain on top of what is going on in the world, it is also essential to take care of your mental health to stay uplifted, motivated, and hopeful.

Step Back and Recharge

Rather than continuously being exposed to the distressing news, it is good to do some other activities that you enjoy to change your mood and redirect your thoughts from negativity. It helps you regulate your emotions and make positive connections.

Follow these tips to stay updated without compromising your mental health. Another thing that would help you get peace of mind is getting the right insurance to keep your family secured. Contact the experts at The Schwab Agency today for assistance with all your insurance needs and questions.

Lady showing key of her car

Coronavirus continues to spread and social distancing is recommended. However, surviving the pandemic does not mean that you cannot buy a new car. Getting a car during the coronavirus outbreak is still possible if you follow the required steps.

Buying a Car During the Coronavirus Pandemic

Many people might be wondering whether purchasing a vehicle during the coronavirus pandemic is possible. However, it is possible to get a car. All you need to do is to follow the safety precautions while buying a car during this pandemic. You need to be well-informed about the safety and security measures you should follow when interacting with others. These include practicing good hand and personal hygiene and wearing personal protective equipment.

The car showrooms might be closed due to the pandemic. In such circumstances, you can contact the retailer to place your order online. You can explore a car online that matches your requirements and budget. Once you have selected the car, you can contact the retailer about the availability. Then, you can place an order and do the paperwork online.

The Auto Market

Naturally, most markets have slowed down a bit due to dealership closures and stay-at-home orders. Due to low sales, several dealerships are offering special deals and discounts on car purchases. Those who are planning to buy a car during this pandemic can expect to get the best deals and huge discounts on their purchases.

After buying a car, get it covered by the right insurance policy to keep it secure. For assistance with all your car insurance needs, contact the experts at The Schwab Agency in Colleyville, Texas. We will help you choose the right insurance that meets your requirements and budget.

COVID-19 Update:

Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.

We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.

Tim Schwab.
President and Managing Partner