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Unexpected Costs of Driving 5.00/5 (100.00%) 2 votes

Driving an automobile can be expensive, and not just because of gas prices. Commercial liability insurance is just one of the likely expenses, and there are various other items on the list. Many think that they can avoid these expenditures through sheer skill, but the truth is that the expenses can present a problem to anyone, regardless of their driving habits.

Accidents Where Somebody Else Is at Fault

There are various scenarios where an accident is somebody else’s fault, yet the innocent party still has to cover some, if not all of their costs. If the other party can successfully argue that they weren’t at fault, the innocent driver could have the best exotic car insurance and still end up paying for the consequences, often quite literally. The guilty party driving away without leaving any contact information or clue to their whereabouts is another quite common scenario, which unfortunately often leaves the law-abiding party without any real options.

Maintenance

When someone depends on their vehicle to make a living, the car will inevitably take a beating. That also leads to other problems, and depending on the business auto insurance is not always an option. They could find themselves without a car for days, which could endanger their livelihood. When someone’s living depends on the fact that they have a car or not, renting one becomes an absolute necessity. Because of these reasons, finding an insurance agency in Houston that’s willing to add a rental cause to their insurance coverage might be an idea worth considering.

Luxury Electronics Repairs

Any half-decent exotic car insurance covers this, but today’s automobiles often come with highly sophisticated, state of the art techs even at the lower price ranges. GPS devices and camera systems are becoming common, and any repair or replacement process can potentially cost a fortune.

State Fees

Finding a quality insurance agent in Texas can keep someone from paying a few of these expanses, but state fees may still apply. These fees usually fall between $200 and $600, more often closer to the latter. The good news is that the fee is often paid with the car purchase.

High Deductibles

Financial professionals usually advise those who are looking for an exotic car warranty to choose high deductibles. That way they can keep the rates down, but on the other hand, any potential accident could end up costing them a lot. A lower deductable is better for those who are willing to shell out significant money each month, provided that they get a highly diverse insurance coverage without any weaknesses.

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Jun/16

21

Why You Need Exotic Car Insurance

Why You Need Exotic Car Insurance 5.00/5 (100.00%) 1 vote

If you drive an exotic car, you know that it is way more than just an investment or sweet ride.  It is your passion that drives you (so to speak) when it comes to owning an exotic car, not your common sense. Chances are, your exotic car is your most prized and valuable possession. Consequently, making sure you are protected against loss by a good exotic car insurance policy, is imperative.

So first let’s talk about what we mean by “exotic car.” The term itself is downright controversial amongst enthusiasts. I tend to think that regardless of how it is defined, most of us know an exotic car when we see one.

According to Merriam-Webster, “exotic” means out of the ordinary.  When it comes to cars here are some of the main differences between exotic and ordinary:

Cost. Exotic cars are more expensive than standard cars.  Way more. A brand new exotic car costs at least $100,000 and some can run up to $400,000 or higher.  There is no such thing as an affordable, new exotic car.

Unique. Exotic cars are either very limited in number or completely one-of-a-kind.  This could mean that they have unique parts that require specific or custom tools.  Or they could have been custom-made to the owner’s exact specifications.  Or, they could have been produced as part of a limited edition to commemorate a special event. Regardless of how or why, there is something about every exotic car that makes it unique or rare.

Speed. Exotic car owners tend to value power and performance over fuel economy. The top speed of an exotic vehicle can thus be quite high when compared to ordinary cars.  A Ferrari’s top speed can be as high as 270 miles per hour. A Bugatti can top 280 miles per hour.

Looks.  Simply put, exotic cars have looks that are out of this world, both inside and out.  Most are equipped with state-of-the-art, chic, stylish interiors and sleek, stunning exteriors.

Parts and repairs. Exotic cars require exotic parts. Exotic car parts almost always need to be ordered from a specialty parts provider and installed by a specialty car repair shop with highly-experienced specialty mechanics.

Servicing. Exotic cars need specialty maintenance and servicing.  These are not cars you take to Jiffy Lube for an oil change.

Due to all of the above, exotic cars pose unique insurance risks.  Accordingly, exotic car owners require unique coverage and protections above and beyond that provided by a regular auto insurance policy.

Consider this.  Do you want to run around finding three estimates for repairing your Aston Martin before your insurance company will authorize the work?  Or, do you want to take your Lamborghini to an insurance company-approved repair shop, and have your adjuster in the middle of it haggling over the price of specialty parts?  No.

Fortunately, there are excellent exotic car insurance providers who understand the special circumstances and expanded needs associated with owning these types of vehicles.  A good broker can help you find one that can set you up with exactly the type of policy and coverage you need.

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Boardwalk Insurance: Commercial Liability Insurance in Houston For Everyone 5.00/5 (100.00%) 1 vote

If you recently moved to Houston, Texas, you may be in the hunt for new, local insurance providers. Consider turning to an independent insurance agency in Houston, such as Boardwalk Insurance. One of the leading independent agencies in the state, Boardwalk is a uniquely capable group that provides customized insurance policies to its entire clientele.

Insurance is a device developed to mitigate financial trouble. The first form of financial insurance that has been found was in the famous Code of Hammurabi, and dealt with shipping goods over the sea. The plan called for a payment of a fee to a loan giver, which would absolve the recipient off the loan of any debt if the ship were lost. From the very first, one of the most difficult problems insurers faced was to anticipate a specific kind of loss. If the ship in question caught fire and all the stock was lost, but enough of the structure remained to limp into port, should the fee still apply? These kinds of questions have kept insurers and lawyers busy throughout the centuries. Fortunately for Texans, Boardwalk is the best insurance agency in Houston for answering the ancient riddles of insurance and coverage.

Boardwalk Insurance has created in its organization an extensive roster of insurance policies providers and partners. The group includes valuation specialists, web developers and over a dozen insurance companies offering various specializations. In this group you can find the most adaptable and expert agents, ready to bring together a policy that is customized to your specific needs. By maintaining their status as independent insurers, Boardwalk is able to bring together such diverse elements that it can easily assemble customized policies for both personal and commercial clients. Its personal lines encompass both renters and homeowners, with property coverage that run the gamut of possessions. It commercial lines are similarly widespread, and offer protection for business owners, commercial liability, and commercial property. Workers compensation can be expertly addressed by Boardwalk, as well.

One interesting service that Boardwalk has specialized in, and which reflects the group’s versatility and range of knowledge, are the garage liability insurance policies it offers. These policies are designed to protect the owners of high echelon luxury vehicle, including Lamborghinis and Rolls Royces. The owners of these vehicles often keep them stored in climate control facilities, and when they do so, the vehicles are subject to numerous potential problems, including decay and possible theft. The owners off the facilities themselves are also involved in security operations that carry high risks. These are extremely valuable vehicles that cost a lot of money. To cover these situations, premiums must be balanced against unusual potential losses. It is an odd sort of situation for a policy, but the expertise of Boardwalk has created a large clientele for its work in this field.

Boardwalk Insurance has created something new and exciting as an insurance agency in Houston, Texas. Well-established and successful, the group is ready to serve your needs with the best in customized insurance policies you could ask for.

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Keeping Your Exotic Car Safe 4.50/5 (90.00%) 2 votes

The investment you put into your exotic car is large, to say the least. Having a professional insurance agency in Houston to ensure your investment does not lose value in any way, shape, or form can provide you with the security and peace of mind you desire, making driving your beautiful exotic car that much more relaxing. At Boardwalk Insurance, we offer that peace of mind, with quality insurance that protects your car. Here are some additional steps you can take to ensure you keep your exotic car safe from all sorts of danger.

Exotic Car Warranty

An exotic car warranty is an investment which all exotic car owners should seriously consider. It extends the factory warranty and expands on it as well. Although it does cost extra to maintain said warranty, more often than not, it is a good idea to invest in such a warranty as it can ensure that damage to your exotic car is readily undone. Although coverage can vary, generally exotic car warranties are much more inclusive and liberal in their coverage than their factory counterparts are. At Boardwalk Insurance, we provide very inclusive exotic car insurance at an affordable price.

Install Preventative Hardware

By preventative hardware, we mean things such as airbags, anti-theft alarms, etc. Depending on where you purchased car and what type your car is, these things may have been removed or never installed so as to maximize performance. It is highly recommended that you (re)install such devices as the cost it can accrue over a long period of time will likely outweigh the cost it will in the short term.

Erase Your Past Citations

Although sometimes difficult, removing your past driving records regarding accidents and tickets can really make getting insurance for your exotic car less costly. Usually a highly skilled lawyer will be able to accomplish this feat. Doing so will likely diminish your premiums and increase forgiveness.

Etch Your VIN Number on Your Car’s Window

By carving in your VIN number in your car’s window you can add an extra layer of identification in the event that your car is stolen. Doing so will also – as an added benefit – likely decrease your coverage rates since it eases the tracking process.

Luckily for exotic car owners a great many of the measures you take to ensure your car’s safety will also decrease your premium and make insurances companies more affable. This win-win situation really goes to bolster the importance of insuring your car is protected by a warranty and by anti-theft measures.

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Spring time insurance 4.67/5 (93.33%) 3 votes

There are many people who see spring time as a time of renewal and go through with spring cleaning to get their homes in the best condition possible for the reset of the year. They pay for new carpets, new paint, they even renovate and redo their patios and other parts of their house. They add large investments to their homes in an attempt to make it feel refreshed and at the same time they are realizing the value of the home with each improvement that they make.

One thing that is not thought of at this time, that should be is that all of these investments that are being put into these homes should be insured along with the home. These people put so much effort into making their homes perfect and beautiful and don’t account for accidents and ill comings to their homes. They need to find an insurance agency in houston, or an insurance agent in Texas. This agent can help them get insured for their added investments so in the case of an emergency or a disaster the home is still covered and all of the effort that was put into the home is still covered under the insurance of the home. It would be a complete shame if these homes that have been cleaned and remodeled and made to be more beautiful than ever before end up being uninsured and all of the effort that was put into making the dream homes goes to waste in the event of an accident.

Insurance is something that has to be thought of before the fact. It is pointless to think about having insured something after it is gone. The effort is useless because the action just isn’t a possibility anymore. Instead people should get their valuables insured quickly and as early as possible. Spring time is a time when people are thinking of getting more beauty added to their home but they don’t have the idea of preserving that beauty or insuring it on their minds. It is something that is often forgotten and then regretted after an accident does occur.

Rather than being sorry after the fact and losing all of their effort and time that was put into the home, people should get their homes insured right when new investments are made on it. If they are putting money in they should be expecting to get an insurance on their input. This is not something that can be taken lightly and should be allowed to continue to be forgotten.

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Best Insurance Agency and Agents for Beginners in Houston, Texas 4.50/5 (90.00%) 2 votes

Through many students’ college years they get some sort of support from either their parents, families, or the government. Their schools even help them as they decide on how to deal with their future and their expenses. After all this guidance though, many students once they leave school and college are completely clueless on their next step. Many might try to buy a home, or a new car, or invest in a business to start their careers off with investments, but many of them will have no idea how to get these large investments insured or what kind of insurance to get or what company to go to to get insurance. They no longer have someone to guide them with every step. This is just a part of life in a way. They will have to learn to do these things because they are responsibilities that everyone has to hold at one point in their lives.

To start their venture, college is a lot less guided than high school. They are taught as soon as they enter college that they now hold more responsibility. in a way that is how it is when they move up from any level of education to another. One by one their support and guidances start to disappear. With less people to guide them and tell them exactly what to do, they not have to start learning to take on these responsibilities themselves and deal with these issues themselves.

Of course, many of these students may still have someone to turn to for help and guidance even on the part of how to get insurance and what kind to get and where to get it from, but many will not. THe ones that do not need to be supported and guided through the process in a easy and simple way. They need to have their needs met for having a simple insurance agency in texas, with a reliable insurance agent in texas. These two things will guarantee that the businesses and cars and homes that these students start to invest in are insured by the right kind of insurance.

The fact that these former students will begin to buy homes and cars is not something that can be overlooked, or avoided. They must grow up and pursue their own careers and lives and therefore at one point have to take on these responsibilities. Their parents and school counselors will not always be available or the right people to advise on every decision these people make, therefore they must seek the right kind for help from the most informed people for the situation. Going to an insurance agent would be the smartest and most resourceful way for these students to get exactly what they need and learn to take care of their new responsibilities.

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The value of insurance agency systems 4.50/5 (90.00%) 2 votes

When people think of large investments, they think of homes and cars mainly. This is because these items or belongings are worth a lot. The fact that they are worth a lot means that these items or possessions are difficult to purchase again and again. Also, the very fact that they are worth a lot is the reason that they are usually investments. They are hoped to last for a long time because of their worth. This is especially true of cars and even more true for exotic cars.

The very fact that these cars and exotic cars are expected to last a long time, requires a sort of safety net. This would be insurance. It is required for cars and homes and other large investments to have some form of insurance, but which insurance would be the right one for an exotic car, a car that is worth more than a normal car, a car that is an even larger investment. Boardwalk insurance is a company that specifies its work with exotic cars. Other insurance agencies in houston don’t offer the same specificness. Other insurance agencies in texas may not even offer this level of confidence in their insurance policies.

Owning an item that has to be invested in can cause a lot of conflicting as to which insurance agent in texas the owner should go to for the best coverage. After all, making large investments in itself is a struggle that can cause a lot of conflicting thoughts. The Boardwalk Insurance group helps its customers by offering specialized services like its exotic car insurance to take the confliction and confusion with at least insuring the valuable items away.

When there is one less thing to worry about, the owner can move on to make decisions about other investments that may include a boat, a home, or even a business. The wonderful thing about this company is that not only do they provide specialized care for the items which they insure, but they also provide a variety of other insurance claims for other large investments that the customer might plan to own. This way everything that is a large investment, that the customer owns can be insured by the same company. This alleviates even more stress from the customer.

Overall, this company provide services that can ease the mind of the customer whether it be because of a specialized service or through the insurance of another large investment that the customer wants insured, can also be done so through the same company.

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The broad topic of insurance 5.00/5 (100.00%) 1 vote

Around this time of the year there are many people that decide to purchase new cars or find a place to store a lot of their items such as a garage or storage place. With all of the exotic cars being purchased what many people don’t know is that if they have quite a few different exotic cars, getting garage insurance would be very beneficial. Not only will it protect your property but it will lower your car insurance.

First off, when you purchase an exotic car it is always smart to get the exotic car warranty as this can help you in the long run if you decide to keep your vehicle for a while. It will save you from wasted time and hassle later on as the dealership of insurance company you go through will take care of everything for you. With an exotic car warranty next you’ll have to get yourself some exotic car insurance. It can be difficult to find exotic car insurance at times since it is slightly different than normal car insurance. By going through boardwalkinsurance.com not only will you be provided with the top exotic car insurance but also you will receive great service so you don’t every have to worry about long delays. You won’t need to be hassled with anything because they will take care of everything for you. There are many insurance companies out there that promise great rates or great services, but when it comes time to actually helping their clients they tend to take their time in responding to claims. Companies such as these can be avoided by doing research and by choosing boardwalkinsurance.com you never have to worry about that.

For those that have dealerships and or quite a few exotic cars in their garage, it would be very beneficial for them to get garage insurance. Getting garage insurance will protect your property. Not only that but when you get garage insurance it will also end up lowering your actual car insurance as well since you can bundle up a couple things.

Research should always be done before you go with an insurance company. By knowing about the company before you choose them you know what to expect. At boardwalkinsurance.com their number one priority is customer service. Whether you are needing an exotic car warranty, exotic car insurance or garage insurance they have it all and are a very dependable insurance agency.

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Jul/14

28

Exotic Car Insurance

Exotic Car Insurance 4.75/5 (95.00%) 4 votes

 Any owner of an exotic or classic vehicle knows how difficult it is to get your insurance company to accept your auto insurance coverage. Many insurance companies will not accept exotic vehicles due to the exposure to risk they may face. The truth is that many people do not have the expertise or the knowledge required in order to drive these cars at their highest performance stage. Because of this, insurers are very cautious about offering this kind of coverage. The biggest challenge is making sure that your luxury vehicle is protected in the best way possible at the best rates.

Fortunately, there are numerous selections to choose from for owners that want to keep their vehicles insured but not have to pay a fortune on their investment. Nonetheless, there are insurance companies that focus primarily on these specific types of automobiles and you will still be able to save tremendously on premiums. The main problem that comes with an exotic car is that even the smallest of damages can cost you more than the depreciated worth of your car. Although a luxury car holder is not necessarily a price conscious individual, it is always sensible to look deep into the different options provided in order to get the best insurance coverage for your luxury vehicle.

Exotic cars are the essential symbols of class and sophistication, needing five-star treatment when it comes to choosing the right exotic car insurance for your automobile. Your exotic car is a significant asset, and thus having exotic car insurance will provide you with the peace of mind you deserve knowing that your investment is being protected.

Exotic car warranty covered components consist of items from the engine, transmission, front wheel drive, rear wheel drive, fuel system, electronics, cooling, etc. It essentially covers the critical components.

It has been noted that conventional insurance is based on the conception that the average vehicle’s value decreases over time, while exotic car insurance presumes that the worth of your vehicle will only increase and will appreciate eventually. It is assumed that your luxury vehicle is often garaged and only driven in moderation showing that there is a much lower risk of accidents, as a result offering lower rates and premiums.

Once you have your heart set on a specific exotic or luxury vehicle, it will be in your best interest to make sure you keep your eye on your investment and insurance coverage. Make sure your insurance matches your ride, and both your vehicle and insurance are of the highest quality.

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Jun/14

10

How to Choose an Insurance Agent in Texas

How to Choose an Insurance Agent in Texas 4.50/5 (90.00%) 2 votes

There are few things in life as important as having the insurance that is right for you. Having the right insurance will keep you sleeping soundly at night knowing that you are well protected in the case of any sort of accident. So how do you go about getting the insurance that is the best fit for you? The best way is to go through an insurance agent in Texas. They will be able to help you go through your policy options and determine what is within your budget and how you can get the most bang for your buck. This begs the question, how do you choose an insurance agency in Texas that will suit your needs?

The first thing that you should do is to check with your state insurance department to see if they offer any information regarding the insurance companies in your area and their rates. If you were looking for an insurance agency in Houston, you should check out all of the insurance companies that the Texas insurance department has on file and their rates, so that you understand the budget you will be dealing with. By doing this, you will be able to get an idea of which insurance agencies you can take off the table due to their price, and you can be left with the ones that can be viable options.

The next thing you should do if you are in the market for an insurance agency in Houston is to check several different sources for the best deals. You can try to get a quote from insurance focused websites like Progressive but keep in mind that these sites may provide the rates for only a few companies. You are better off getting in touch with someone local that you may have been referred to from the Texas department of insurance, as they will have the best connections with the insurance companies that are best for people who live in your area.

Finally, when you are looking for an insurance agent in Texas you should be sure to investigate who their clients are and see if you can get in touch with them. They will be able to tell you how happy they are with their rates and their service, and can give you feedback that you won’t find online about a particular agent or company. This way, you are able to actually get information from the people receiving the service rather than the people who are giving it.

There is clearly much that goes into finding the insurance that is right for you, so make sure that you follow the necessary steps to find an insurance agency in Texas that can find a policy that fits you best.

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