http://www.lonestarinsuranceagency.com/blog/View Lone Star Insurance Agency's Website Blogen-uspostmaster@www.lonestarinsuranceagency.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:1dbdaeb4-9546-40de-a95d-cf7ab3c717c4urn:uuid:661ec502-54b0-49de-b878-5ea37a30fd9a Local Independent Agency Selected To Offer The Hartford&rsquo;s AARP Auto Insurance Program After meeting several social responsibility and business requirements, LONE STAR INSURANCE AGENCY now authorized to offer the popular insurance program in B...Wed, 01 Feb 2012 10:13:37 -0600<b> <p>Local Independent Agency Selected To Offer The Hartford&rsquo;s AARP Auto Insurance Program<br /> <i><br /> After meeting several social responsibility and business requirements, LONE STAR INSURANCE AGENCY now authorized to offer the popular insurance program in Burleson.<br /> </i><i><br /> </i>Burleson, TX, January 2012 &mdash;The Hartford announced today that it is making its award-winning AARP&reg;-branded auto insurance program available through LONE STAR INSURANCE AGENCY in Burleson.&nbsp; LONE STAR INSURANCE AGENCY was chosen after satisfying a number of eligibility requirements, which included: demonstrating a commitment to community service; meeting a high-level of business and ethical standards; and completing a training program designed to address the needs of the 50+ population. &ldquo;For more than 25 years, the industry-leading AARP-branded auto insurance program from The Hartford has been extremely popular,&rdquo; said Jim Flynn, vice president, The Hartford. &ldquo;Much of the success of this program is due to innovative product features and a commitment to truly understand and support our customers. We are thrilled to now be able to offer these benefits through our independent agent partners.&rdquo; According to research from The Hartford, the majority of AARP members prefer the advice and counsel of a local agent when making decisions about their insurance. Based on this research and strong customer demand, The Hartford is offering the AARP-branded auto insurance program through select, authorized independent agents. These products were previously only available from The Hartford by phone, the Internetand by mail.</p> </b>Burleson, TX, January 2012 &mdash;The Hartford announced today that it is making its award-winning AARP&reg;-branded auto insurance program available through LONE STAR INSURANCE AGENCY in Burleson.&nbsp; LONE STAR INSURANCE AGENCY was chosen after satisfying a number of eligibility requirements, which included: demonstrating a commitment to community service; meeting a high-level of business and ethical standards; and completing a training program designed to address the needs of the 50+ population. &ldquo;For more than 25 years, the industry-leading AARP-branded auto insurance program from The Hartford has been extremely popular,&rdquo; said Jim Flynn, vice president, The Hartford. &ldquo;Much of the success of this program is due to innovative product features and a commitment to truly understand and support our customers. We are thrilled to now be able to offer these benefits through our independent agent partners.&rdquo; According to research from The Hartford, the majority of AARP members prefer the advice and counsel of a local agent when making decisions about their insurance. Based on this research and strong customer demand, The Hartford is offering the AARP-branded auto insurance program through select, authorized independent agents. These products were previously only available from The Hartford by phone, the Internetand by mail. <p>The AARP-branded auto insurance program is designed in consultation with The Hartford Advance 50 Team, which helps to tailor products and services specifically to the interests and needs of Boomers and older adults.&nbsp; Other unique hallmarks of the program include:</p> <ul> <li>Lifetime Continuation Agreement &mdash; assures that the customer&rsquo;s insurance policy will not be dropped as long as a few simple requirements are met. </li> <li>RecoverCare &mdash; helps customers pay for assistance with daily errands and responsibilities, likecooking, cleaning, shopping, dog walking, transportation and yard work if they are injured in an auto accident. </li> <li>Standard 12-month rate protection versus the traditional six month policies offered by most companies. </li> </ul> <b> <p>About LONE STAR INSURANCE AGENCY</p> <p>Lone Star Insurance Agency was founded in 2002. They are locally owned and operated insurance agency.&nbsp; The owners (James and Amy Brown) live and worship in Burleson. Lone Star represents dozens of highly rated companies and offers consumers a variety of choices when it comes to their insurance needs. Stop by and see James, Dawn, Rick and Jeremy today.</p> </b>Lone Star Insurance Agency was founded in 2002. They are locally owned and operated insurance agency.&nbsp; The owners (James and Amy Brown) live and worship in Burleson. Lone Star represents dozens of highly rated companies and offers consumers a variety of choices when it comes to their insurance needs. Stop by and see James, Dawn, Rick and Jeremy today.<b> <p>About The Hartford</p> <p>The Hartford Financial Services Group Inc. (NYSE: HIG) is a leading provider of insurance and wealth management services for millions of consumers and businesses worldwide. The Hartford is consistently recognized for its superior service and as one of the world's most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.</p> </b>The Hartford Financial Services Group Inc. (NYSE: HIG) is a leading provider of insurance and wealth management services for millions of consumers and businesses worldwide. The Hartford is consistently recognized for its superior service and as one of the world's most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.<b> <p>ABOUT AARP SERVICES, INC.</p> <p>AARP Services, Inc., founded in 1999, is a wholly-owned taxable subsidiary of AARP. AARP Services manages the provider relationships for and performs quality control oversight of the wide range of products and services that carry the AARP name and are made available by independent providers as benefits to AARP&rsquo;s millions of members. The provider offers currently span health products, financial products, travel and leisure products, and life event services. Specific products include Medicare supplemental insurance; credit cards, auto and home, mobile home and motorcycle insurance, life insurance and annuities; member discounts on rental cars, cruises, vacation packages and lodging; special offers on technology and gifts; pharmacy services; legal services; and long-term care insurance. AARP Services also engages in new product development activities for AARP and provides certain consulting services to outside companies.</p> </b>AARP Services, Inc., founded in 1999, is a wholly-owned taxable subsidiary of AARP. AARP Services manages the provider relationships for and performs quality control oversight of the wide range of products and services that carry the AARP name and are made available by independent providers as benefits to AARP&rsquo;s millions of members. The provider offers currently span health products, financial products, travel and leisure products, and life event services. Specific products include Medicare supplemental insurance; credit cards, auto and home, mobile home and motorcycle insurance, life insurance and annuities; member discounts on rental cars, cruises, vacation packages and lodging; special offers on technology and gifts; pharmacy services; legal services; and long-term care insurance. AARP Services also engages in new product development activities for AARP and provides certain consulting services to outside companies.<b> <p>About AARP</p> <p>AARP is a nonprofit, nonpartisan organization with a membership that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for 50+ Americans and the world's largest-circulation magazine with over 35.1 million readers; AARP Bulletin, the go-to news source for AARP's millions of members and Americans 50+; AARP VIVA, the only bilingual U.S. publication dedicated exclusively to the 50+ Hispanic community; and our website, AARP.org. AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Some of the statements in this release may be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.&nbsp; We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include those discussed in our Quarterly Reports on Form 10-Q, our 2010 Annual Report on Form 10-K and the other filings we make with the Securities and Exchange Commission. We assume no obligation to update this release, which speaks as of the date issued.</p> </b>AARP is a nonprofit, nonpartisan organization with a membership that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for 50+ Americans and the world's largest-circulation magazine with over 35.1 million readers; AARP Bulletin, the go-to news source for AARP's millions of members and Americans 50+; AARP VIVA, the only bilingual U.S. publication dedicated exclusively to the 50+ Hispanic community; and our website, AARP.org. AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Some of the statements in this release may be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.&nbsp; We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include those discussed in our Quarterly Reports on Form 10-Q, our 2010 Annual Report on Form 10-K and the other filings we make with the Securities and Exchange Commission. We assume no obligation to update this release, which speaks as of the date issued. <p>The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford CT 06155. In Washington, the Program is underwritten by Trumbull Insurance Company. AARP and its affiliates are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, representatives or advisors. This program is provided by The Hartford, not AARP or its affiliates. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP&rsquo;s intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. Applicants are individually underwritten and some may not qualify. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. The premiums quoted by an authorized agent for any Program policy include the additional costs associated with the advice and counsel that your authorized agent provides.</p> <b> <p>Media Contact:<br /> James Brown<br /> 137 NW Ellison<br /> Burleson, TX 76028<br /> 817-426-2886</p> </b>James Brown137 NW EllisonBurleson, TX 76028817-426-2886urn:uuid:44ae6557-ad9c-4050-9512-4bc28f584719Here is an excerpt from an article that on January 24, 2012 on MySanAntonio.com. "The bonus rankled some USAA members, given it follows USAA's announcement earlier this month that it plans to raise home and condo insurance rates in Texas. It was the...Fri, 27 Jan 2012 08:42:25 -0600<p jQuery1327621538639="41">Here is an excerpt from an article that on January 24, 2012 on MySanAntonio.com.<br /> <br /> "The bonus rankled some USAA members, given it follows USAA's announcement earlier this month that it plans to raise home and condo insurance rates in Texas. It was the third rate-increase announcement in the span of a year. Taken together, the three rate increases total a 15.2 percent&nbsp;jump."<br /> <br /> You find the entire article by clicking this link:<br /> <a href="http://www.mysanantonio.com/business/article/USAA-awarding-hefty-bonuses-again-2675546.php#ixzz1kfZK7OOe" style="color: #003399;">http://www.mysanantonio.com/business/article/USAA-awarding-hefty-bonuses-again-2675546.php#ixzz1kfZK7OOe</a></p>urn:uuid:d1be3e80-fdf8-490f-b9c6-17a9e96807cfAdmit it, most of us use the phone while we are in the car.&nbsp; Many places prohibit using a cell phone in a school zone and some municipalities have recently made it on offense to text while driving.&nbsp; Canada apparently has a similar problem.&...Thu, 22 Dec 2011 18:11:35 -0600Admit it, most of us use the phone while we are in the car.&nbsp; Many places prohibit using a cell phone in a school zone and some municipalities have recently made it on offense to text while driving.&nbsp; Canada apparently has a similar problem.&nbsp; According to a recent article in The Insurance Journal magazine the Insurance Corporation of British Columbia, a Canadian auto insurer, with the help from local police, compiled a list of the top 10 excuses from local motorists when they were caught using handheld cellphones while driving.&nbsp; The top 10 excuses were found to be:<br /> <ol> <li>This is a bogus law.</li> <li>It was my boss on the phone- I had to answer it.</li> <li>I wasn't using it- I just like to hold it.</li> <li>Sorry officer, I didn't see you trying to pull me over because I was on my phone.</li> <li>But it was an emergency call to my wedding planner.</li> <li>My Bluetooth died.</li> <li>Driver: I'm using my speakerphone.&nbsp; Police officer: No, you're holding your phone in one hand and steering wheel with the other.</li> <li>I'm not driving; I was stopped at a red light.</li> <li>I wasn't talking, I was checking my messages.</li> <li>I was just checking the time.</li> </ol> So, how about it- if you were caught driving and using the phone where you aren't supposed to, what would your excuse be?urn:uuid:a48e5de9-994c-499a-8a56-b0a5bd6a5eca&nbsp; Okay, maybe you know a few of these, but chances are you&rsquo;re going to learn something about cars and driving here. Use these facts to impress your friends and customers. After all, they expect you to know everything about driving, don&rs...Thu, 08 Dec 2011 11:24:27 -0600<div style="padding-bottom: 2.88pt; padding-left: 2.88pt; padding-right: 2.88pt; padding-top: 2.88pt;" class="shape">&nbsp; <div style="padding-bottom: 2.88pt; padding-left: 2.88pt; padding-right: 2.88pt; padding-top: 2.88pt;" class="shape"> <p><span style="font-family: arial; font-size: 12pt; language: en-us;">Okay, maybe you know a few of these, but chances are you&rsquo;re going to learn something about cars and driving here. Use these facts to impress your friends and customers. After all, they expect you to know everything about driving, don&rsquo;t they? </span></p> <p><span style="font-family: arial; font-size: 12pt; language: en-us;">&nbsp; <ol> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">Windshield wipers were invented by a woman named Mary Anderson. She patented them in 1903.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">The nitromethane fuel used to power Top Fuel Dragsters costs $16 per gallon.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">The fastest known time for replacing a car engine is 42 seconds. Gareth Lloyd did so in 1985.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">Many vehicles have an arrow on the fuel gauge that points to which side of the vehicle the gas cap is on. Take a look!</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">In Youngstown, OH, running out of gas is against the law. It&rsquo;s considered a &ldquo;Minor Misdemeanor.&rdquo;</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">The average automobile consists of more than 2,500 ft. of electrical wiring.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">On average, half an ounce of gas is used to start an automobile.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">The average fuel economy for a vehicle on the road was 14 miles per gallon in 1923.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">From a fuel economy perspective, it&rsquo;s better to turn the air off at low speeds and open the windows. At highway speeds it&rsquo;s more economical to use the air conditioning.</span></li> <li><span style="font-family: arial; font-size: 12pt; language: en-us;">US 20 is the longest road in the United States, spanning 3,365 miles from Boston, MA to Newport, OR.</span></li> </ol> </span></p> </div> </div>urn:uuid:7ee61064-6f94-4a13-98af-74534b80243aHalloween Safe-Driving Tips According to Safe Kids USA, children are twice as likely to be killed by a vehicle on Halloween compared to other days of the year. Take extra caution behind the wheel on Halloween and use the following driving tips to k...Wed, 26 Oct 2011 10:16:39 -0500Halloween Safe-Driving Tips <br /> <br /> According to Safe Kids USA, children are twice as likely to be killed by a vehicle on Halloween compared to other days of the year. Take extra caution behind the wheel on Halloween and use the following driving tips to keep trick-or-treaters safe. <br /> <br /> <ol> <li>Yield to Trick-or-Treaters: Be prepared for children to run into the street at anytime. </li> <li> Refrain From Passing Idle Vehicles: You never know when the driver in front of you has stopped to drop children off. Be patient and take extra caution when traveling near other vehicles. </li> <li>Park Your Mobile Phone: With children crowding the dark roads, it is especially important to avoid any distractions while behind the wheel. </li> <li>Communicate With Other Drivers: Use hazard lights when picking-up or dropping-off trick-or-treaters. And, always use turn signals.</li> <li>Consider Alternate Routes: Avoid driving near trick-or-treaters by taking routes that go around busy neighborhoods, not through them. </li> </ol> <br /> Be a safe driver. If you have any questions or concerns about your auto insurance please contact us.urn:uuid:d58d4a17-690f-4cbe-8310-28cf25274404Is your home under insured? More than 60% of U.S. homes are under insured&nbsp;by an average of 25%, according to Marshall &amp; Swift/Boeckh. In some cases, as much as 73% of an agency's book of homeowners business may be under insured&nbsp;by an a...Thu, 22 Sep 2011 16:15:28 -0500Is your home under insured?<br /> <br /> More than 60% of U.S. homes are under insured&nbsp;by an average of 25%, according to Marshall &amp; Swift/Boeckh. In some cases, as much as 73% of an agency's book of homeowners business may be under insured&nbsp;by an average of 35%, according to MS/B. The problem isn't limited to homes either&mdash;75% of commercial buildings could be under insured&nbsp;by an average of 40%.<br /> <br /> Many consumers confuse Market Value with Replacement Cost.&nbsp;&nbsp; Market Value is what the home is actually worth.&nbsp; Replacement Cost on the other hand is what it would actually cost to replace the home if there were a total loss.&nbsp; While many areas have seen home values decrease resulting in a lower Market Value, the cost of labor and building materials continue to drive up the Replacement Cost of homes.&nbsp; <br /> <br /> Give us a call and we can run your home's details through one of our Replacement Cost Estimators for free to see if your home is adaquately insured.&nbsp;urn:uuid:51e0a4c2-05f4-4820-8abc-c1d4d7306c90According to a recent study by the Insurance Information Institute, dog bites accounted for one-third of all homeowners insurance liability claims last year.&nbsp;The total cost of dog-bite claims was $413 million last year. The average claim paid to...Fri, 09 Sep 2011 11:00:08 -0500According to a recent study by the Insurance Information Institute, dog bites accounted for one-third of all homeowners insurance liability claims last year.&nbsp;The total cost of dog-bite claims was $413 million last year. The average claim paid to a victim of a bite was $26,166, up 5.3% from $24,840 in 2009. The average claim cost has increased 37% since 2003, despite a drop in the total number of claims.&nbsp;<br /> <br /> <br /> "The average cost per claim has risen over the last eight years (2003-2010), which can be attributed to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which have risen well above the rate of inflation in recent years," said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the Insurance Institute.&nbsp;<br /> <br /> <br /> Standard homeowners' policies typically cover dog-bite liability between $100,000 and $300,000 in coverage. <em>(BEWARE-some homeowner policies exclude dog bites incidents).</em>&nbsp; Renters insurance policies also typically cover dog bites. If a person is bitten, sues the homeowner and is awarded more than the maximum insurance payout, then the homeowner is personally responsible for paying the remaining amount.&nbsp;<br /> <br /> <span style="font-size: 10px;">Reprinted from IA Magazine</span>urn:uuid:9c6e2c97-0265-40f3-894a-43c6938ac92c1 in 5 Drivers Lacks Insurance Despite State's&nbsp;Verification Program.&nbsp; Click the following link to read recent information from the Texas Department of Insurance and Southwestern Insurance Information Service. http://www.siisinfo.org//fil...Tue, 30 Aug 2011 17:14:24 -05001 in 5 Drivers Lacks Insurance Despite State's&nbsp;Verification Program.&nbsp; <br /> <br /> Click the following link to read recent information from the Texas Department of Insurance and Southwestern Insurance Information Service.<br /> <br /> <a href="http://www.siisinfo.org//files/drivers-lack-insurance.pdf">http://www.siisinfo.org//files/drivers-lack-insurance.pdf</a><br /> <br /> <br />urn:uuid:679dc225-1e72-4175-bec9-40f5072d0d26Off To College: Driving Safety Tips It's time to go back to college! Share these valuable driving safety tips with your college students as they load up their cars and head back to college. Avoid Cramming, Pack Right. Even though your son or d...Wed, 24 Aug 2011 13:00:09 -0500<p>Off To College: Driving Safety Tips<br /> <br /> It's time to go back to college! Share these valuable driving safety tips with your college students as they load up their cars and head back to college. </p> <ol style="list-style-type: decimal;"> <li style="line-height: 12.75pt; color: #464646;"><strong>Avoid Cramming, Pack Right. </strong>Even though your son or daughter will try to fit every last piece of dorm room equipment into the car, make sure whoever is driving is able to see out of the rearview mirror despite a fully packed car. Nothing should be packed above seat level in order to avoid projectile movement of objects if the need to stop short arises. Pack right by making two trips or shipping what will not fit safely in the car.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Take a Break.</strong> Whether you or child is driving, make sure to plan to take stops and break up your drive if it is a long one.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Conduct a Car Check.</strong> Check headlights, oil, turn signals, and tires before letting your son or daughter embark on their journey to college. You never know when these vehicle essentials may break down!</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Keep Your Eyes Peeled For Pedestrians.</strong> All college campuses experience an increase in the number of pedestrians walking around. Remind your son or daughter to yield to pedestrians and to never pass a car that is stopped at a cross walk.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Always Lock up!</strong> College students often forget that urban areas of college campuses are not as safe as their parents' driveway. Remind your son or daughter to never leave valuables in the car and always lock the car.</li> </ol> <br /> As always, if you have&nbsp;questions or concerns feel free to contact us by phone or email.<br /> Thanksurn:uuid:f90f737b-82b2-47ef-9aad-64ef40ce7e19Five Back-to-School Carpooling Tips It's time to go back to school! Consider these valuable back-to-school carpooling tips as you pile the kids in the car and take them to school. Meet with your fellow carpoolers. Get to know your fellow carpo...Wed, 17 Aug 2011 14:44:48 -0500<p>Five Back-to-School Carpooling Tips<br /> <br /> It's time to go back to school! Consider these valuable back-to-school carpooling tips as you pile the kids in the car and take them to school. </p> <ol style="list-style-type: decimal;"> <li style="line-height: 12.75pt; color: #464646;"><strong>Meet with your fellow carpoolers.</strong> Get to know your fellow carpoolers to gauge how responsible of a driver they are. Use that time to establish some ground rules in terms of pick-up and drop-off times so everyone is on the same page. </li> <li style="line-height: 12.75pt; color: #464646;"><strong>Make sure all passengers are buckled-up. </strong>Before driving away, make sure all adults and children in the car have a fastened seatbelt. Never let kids share a seatbelt and never transport children in the cargo area of a pickup truck, station wagon, or van.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Keep your eyes peeled.</strong> Avoid situations where you'll have to back up in areas where young children are walking or playing. Also, make sure children get into their house once you drop them off before driving away. Always pay attention to your surroundings in the car.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Don't play parent in the car. </strong>When you are driving carpool, your most important responsibility is driving. When children begin acting out, don't try and solve behavior problems while driving. If the problem is affecting your driving, pull the vehicle over at a safe place to deal with the issue.</li> <li style="line-height: 12.75pt; color: #464646;"><strong>Pay attention to school guidelines on carpool lines. </strong>All schools have different systems in place to manage their carpool lines. Be observant of your school's system and abide by their speed limit and drop-off and pick-up locations and times.</li> </ol> <br /> As always, if you have any questions or comments for us feel free to call us at 817-426-2886.urn:uuid:c393a985-c5d7-4f11-855a-1a916393913dAccording to the GMAC Insurance National Drivers Test, what restrictions are parents putting on their teenage drivers to help them be safer drivers? Sixty-four percent of parents are imposing the "no mobile devices while driving" rule. Abo...Wed, 10 Aug 2011 11:09:11 -0500<p style="line-height: 12.75pt;">According to the GMAC Insurance National Drivers Test, what restrictions are parents putting on their teenage drivers to help them be safer drivers? </p> <ul style="list-style-type: disc;"> <li style="line-height: 12.75pt; color: #464646;">Sixty-four percent of parents are imposing the "no mobile devices while driving" rule. </li> <li style="line-height: 12.75pt; color: #464646;">About 50 percent of parents implement a driving curfew.</li> <li style="line-height: 12.75pt; color: #464646;">About 35 percent of parents allow their teenagers to drive only locally and restrict them from driving on any highways.</li> <li style="line-height: 12.75pt; color: #464646;">Thirty-two percent of parents don't allow their teenagers to drive with friends in the car.</li> <li style="line-height: 12.75pt; color: #464646;">Twenty-two percent of parents allow their teenagers to drive only if a parent is with them.</li> <li style="line-height: 12.75pt; color: #464646;">Only nine percent of parents don't impose any driving restrictions on their teenage drivers.</li> </ul> <a href="http://click.service.gmacinsurance.com/?qs=1a8bd203fed6ffc83389883a284de696b5e7cc7ac66b3220948ef5ec9ed9c685" target="_blank" re_target="_blank">Click Here</a> to see the "Top Five Distracted Driving Habits" for personal auto drivers&mdash;discovered by the 7th Annual National Drivers Test conducted by GMAC Insurance! <br /> <br /> <strong>Never Stray Away From Safe Driving. Take the Test!</strong><br /> Raise awareness about safe-driving.....you can take test yourself! Visit <a href="http://click.service.gmacinsurance.com/?qs=1a8bd203fed6ffc8e77b9fb5aee04dac62a9ead7388227d2a9d7a75af35269ba" target="_blank">www.gmacinsurance.com</a> and click on the National Drivers Test button.urn:uuid:8d9185b1-496f-40a6-9aeb-8423b029cf50<img src='http://www.thetruthaboutinsurance.com/wp-content/uploads/2011/02/money.jpg' align='left' />Average American Spends More than $80,000 on Car Insurance in Their Lifetime The average American spends a staggering $84,388 on car insurance in their lifetime. No, that&rsquo;s not a typo. That&rsquo;s your bill, according to the latest analysis o...Mon, 07 Mar 2011 17:25:32 -0600<h1 class="post-title"><span style="font-size: 16px;">Average American Spends More than $80,000 on Car Insurance in Their Lifetime</span></h1> <p><img width="500" height="286" style="width: 410px; height: 176px;border: #c0c0c0 1px solid;" title="money" alt="money" src="http://www.thetruthaboutinsurance.com/wp-content/uploads/2011/02/money.jpg" /></p> <p>The average American spends a staggering $84,388 on car insurance in their lifetime.</p> <p>No, that&rsquo;s not a typo. That&rsquo;s your bill, according to the latest analysis of car insurance quotes by<strong> Insurance.com.&nbsp; </strong>(A written copy of this article can be furnished upon request.)&nbsp; <br /> <br /> The company arrived at this figure using the assumption that people buy their first car at 21, get married at 27, and then add two teen children to their auto insurance policy between the ages of 46 and 50.</p> <p>The real rise in insurance rates happens when teen drivers hit the road, as we all know the cost of teen car insurance can be astronomical.</p> <p>This has to do with how insurance rates are determined, as those with little experience and a tendency to drive erratically pay the price in extra insurance premium.</p> <p>This figure also takes into account a variety of drivers with all types of insurance claims and driving records.</p> <p>The good news, I guess, is that you may pay substantially less than this if you are a good driver and force your 2.5 kids to pay for their own insurance.<br /> <br /> And be sure to ask about every available discount, such as the good driver discount, the good student discount, and&nbsp; the&nbsp;multiple policy&nbsp;discount!</p>urn:uuid:9ddd867b-69ad-4f0e-959f-0d537c025976When searching for affordable, dependable Texas auto insurance, it&rsquo;s vital that you really know the facts. Unfortunately, through rumor and inaccurate speculation, many drivers have fallen victim to believing some pretty crazy insurance myths, ...Thu, 03 Mar 2011 14:09:39 -0600<p>When searching for affordable, dependable Texas auto insurance, it&rsquo;s vital that you really know the facts. Unfortunately, through rumor and inaccurate speculation, many drivers have fallen victim to believing some pretty crazy insurance myths, here are a few of our favorites supplied by FOX Business (<a href="http://www.foxbusiness.com">www.foxbusiness.com</a>):</p> <p>1. &ldquo;No-fault insurance means it&rsquo;s not my fault&rdquo;</p> <p><em>It&rsquo;s important to remember that no-fault car insurance varies by state; but typically requires your car insurance company to pay medical expenses and lost wages for injuries due to a car accident, regardless of who is at fault. It allows for faster payment for immediate medical needs while the respective insurance agencies, for the parties involved, determine amongst themselves which company will pay for the accident.&nbsp;&nbsp; ***No-fault coverage is not available in the state of Texas.</em></p> <p>2. &ldquo;The color of my car affects my auto insurance rate&rdquo;</p> <p><em>Auto insurance companies set rates based on the safety features of a vehicle and how much it costs to repair or replace; the color doesn&rsquo;t actually factor into the premium. </em></p> <p>3. &ldquo;I don&rsquo;t need comprehensive auto insurance for theft, because thieves don&rsquo;t steal old cars&rdquo;</p> <p><em>In reality, many criminals are actually more attracted to older, trustworthy, popular vehicles such as a Honda Accord or Toyota Camry. Since these vehicles are more popular, there tends to be a higher demand for their parts&mdash;so naturally thieves can strip them, sell the parts and make some serious cash. </em></p> <p>4. &ldquo;The laptop in my car is covered by my auto insurance policy&rdquo;</p> <p><em>Personal property, such as a laptop or cell phone is not covered under an auto insurance policy; those items may be covered by home insurance, but a claim would oftentimes be subject to your deductible. </em></p> <p>5. &ldquo;I recently paid my insurance premium, so I won&rsquo;t need a new policy for my new car&rdquo;</p> <p><em>Whenever you purchase a new car, your insurance company will have to amend your&nbsp;policy, regardless of when you paid for your previous policy. </em></p> <p>Don&rsquo;t allow yourself to walk around misinformed, it&rsquo;s crucial that you completely understand what your auto policy does and does not cover.</p> <p>Have further questions about <strong>Texas auto insurance</strong>? Interested in a free insurance quote or complete evaluation of your current coverage? Contact Lone&nbsp;Star Insurance Agency&hellip;we&rsquo;d be happy to help!</p>urn:uuid:cd30b952-be48-4546-af5f-9f2e4713541eEffective January 1, 2011 the minimum liability requirements in Texas will increase to $30,000/$60,000/$25,000.&nbsp; While these are the minimum requirements, it is highly advised that you carry more than the minimum limits (it doesn't really cost t...Fri, 31 Dec 2010 12:13:58 -0600Effective January 1, 2011 the minimum liability requirements in Texas will increase to $30,000/$60,000/$25,000.&nbsp; While these are the minimum requirements, it is highly advised that you carry more than the minimum limits (it doesn't really cost that much more to be properly protected).&nbsp; If you're not sure what your limits are or what this even means, give us a call and we'd be glad to explain in simple terms.&nbsp; For all the details directly from the Texas Department of Insurance web site click <a href="http://www.tdi.state.tx.us/pubs/consumer/cb088.html" target="_blank">here.</a>