Before the snow and ice hit, get prepared for incidents!

Should you face any snow or ice during your travels in Rochester, New York, you’ll be thankful that you prepped your car’s emergency kit beforehand! After all, no one enjoys being stranded on the side of the road in the snow with a broken down car and no means of warmth!

Wherever you drive, this kit should be with you! Pack your emergency kit before the cold snap hits!

  • Plenty of drinking water
  • Canned foods (and a can opener)
  • Water (plenty of it)
  • Flashlights and extra batteries
  • Emergency radio (solar or battery powered)
  • Fleece blankets
  • Small shovel
  • Maps
  • First-Aid kit
  • Medications and any prescription medicine
  • Whistle
  • Petty cash
  • Emergency phone numbers
  • Toilet paper
  • Hand sanitizer
  • Toothbrush and toothpaste
  • Energy bars
  • Cards or books when needed for passing the time!

This stock will aid your survival, should an incident come to that! Always replenish your kit before a long journey or traveling in adverse weather condition! Contact Global Financial & Insurance Services in Irving, Texas for all of your auto insurance needs that will see you through the winter and beyond!

Emergency Kit for Your Car

Stock Your Car with Winter Emergency Essentials!

These Devices Put You (& Your Auto Insurance Rate) In DangerStow these devices while driving to save a life and save on your Irving, TX auto insurance.

Technology may be everywhere these days, but there’s one area you should fight against it: behind the wheel. When you use these devices while you’re in drive, you put yourself, others, and your auto insurance rates in danger. Why? These devices are linked to distracted driving, which increases your likelihood of getting into an accident. That accident, in turn, will drive up your auto insurance costs.

If you want to stay safe and save on your Irving, TX auto insurance, power these devices down when you’re behind the wheel.

  • Cellphone: It’s no surprise cellphones are dangerous; 46 states have banned texting and driving and 14 have outlawed using a hand-held phone while driving. This is thanks in part to the fact that one in four accidents today involve a cellphone! Put your phone away before you put the key in the ignition, and avoid an accident and breaking the law.
  • Navigation System: Navigation systems are designed to offer drivers audio turn-by-turn directions so that they never have to look at a screen. Even so, many of us put our systems on the dash where we can see them, distracting us. Turn off your display or move your navigation system so you can keep your eyes on the road!
  • Hands-Free Systems: More and more cars have hands-free systems that theoretically allow you to safely call and text using just your voice. The problem is that studies show they’re still distracting; pull over or have your passenger send communications for you.

Thank you for doing your part to keep us all safe on the road by putting away these devices! To show our gratitude, we want to help you get the best possible rates on your Texas auto insurance. To learn about the different ways you can save, contact Global Financial & Insurance Services in Irving!

These Devices Put You (& Your Auto Insurance Rate) In Danger

These Devices Put You (& Your Auto Insurance Rate) In Danger

Auto Insurance Irving TXA Few Ways To Lower Your Premiums

Even knowing full well that you need auto insurance to protect you out on the road, you probably do not love paying your premiums each month. What if we told you there was a way to get the auto insurance you need at the price you deserve? To help you discover the best auto insurance premiums, we have compiled this list of easy ways to slash your rates.

  • Pick The Right Car: The next time you are shopping for a vehicle, look for one that comes fitted with safety features like anti-lock brakes and anti-theft measures. Since your safer vehicle will be less likely to get stolen or get into a serious accident, it will cost less to insure.
  • Get Educated: Talk to your auto insurance agent to see if completing a safe driver course could help you lower your premiums. While these courses are more traditionally taken by teens and seniors, they are great for drivers of any age!
  • Park In The Garage: When you park your car in the garage, you better protect it against the elements and against thieves. Make the space to park in the garage and then let your insurance provider know. This could help you cut your insurance costs.

Want to work with an insurance expert who can help you dig out every discount? To get great coverage at a great price, contact Global Financial & Insurance Services. Serving Irving and the surrounding Texas area, we are here to help you get the right auto insurance with the right auto premiums. Call us today!

Auto Insurance Irving TX

How To: Lower Your Auto Insurance Rates

Boat Insurance Irving TXIs Your Boat Properly Protected?

Since your boat is a part of your personal property, you may assume that it is protected by your homeowners insurance. Unfortunately, that is a common misconception that could leave you sunk financially. Generally, homeowners insurance and auto insurance policies do not cover your liability, possibility of theft, or physical damage.

How, then, do you stay safe out on the water, at the dock, and in tow? To best protect your boat, insurance agencies have created a product specifically for it- boat insurance. Boat insurance is important to carry as a boat owner because it protects you in three definite areas.

  • At Your House: While there is a chance your homeowners insurance will cover your boat while at your home, your boat insurance will offer protection for the other assets on your boat, including your anchor, navigation system, and life jackets.
  • On The Trailer: Although your auto insurance policy may cover the trailer on which you tow your boat, it is important that you talk with your insurance agent to discern if your boat will be covered while it is en route to the water.
  • On The Water: Are you and your passengers protected while out on the open water? So you can have the peace of mind you need to relax on the water, boat insurance can step in. This type of coverage ensures that any physical damage and liability will not become an expense you have to cover.

Fortunately, getting the boat insurance you need to rest easy no matter how the waves (both literal and figurative) buffet is simple. To get the best coverage for your boat, contact Global Financial & Insurance Services. Our team of experts is here to meet all of your Carrollton, Irving, and Stafford coverage needs. For all of your Texas boat insurance questions, call us today!

Boat Insurance Irving TX

Anchoring Your Boat With Insurance Coverage

Auto Insurance Irving TXAuto Insurance Coverage Options Explained

While you may hold auto insurance, do you understand your coverage and when it comes into play? Failure to understand your auto insurance coverage can leave you confused and without coverage when you need it most. We hope you are never involved in accident, but knowing which coverage options kick in at what point of an accident can provide you with peace of mind should the unforeseen occur. Allow the below car accident scenario to provide you with vital information:

  • Bodily Injury Liability Coverage – If you were determined to be at fault for an auto collision, your bodily injury liability coverage would kick in to provide other involved cars and individuals with coverage for medical related expenses.
  • Medical Payments Coverage – If you were injured after an accident you caused, your medical payments coverage would provide you with coverage for your post-accident medical care.
  • Property Damage Liability Coverage – The lamppost that you damaged in the process of colliding with another vehicle will be covered under your property damage liability coverage.
  • Collision Coverage – Since you are responsible for repairing your own car after you cause an accident, collision coverage is essential. This coverage necessity kicks in to cover the costs of repairing your car, minus your deductible.
  • Rental Car Coverage – If car damages require that your ride remain in the shop for an extended period of time as it is restored, you will be glad you opted for rental car coverage. This extra coverage option will provide you with a ride while yours are in the shop.

Contact Global Financial & Insurance Services in Irving for all of your Texas auto insurance needs. Please do not hesitate to give us a call if you do not fully understand your auto insurance policy. We will provide you with all the necessary information and knowledge to be confident in your protection.

Auto Insurance Irving TX

Understanding Your Auto Insurance Policy

What Can Commercial Auto Insurance Do For You?If you use any sort of vehicle for your various business needs, you should have commercial auto insurance. A personal policy will not always be enough, so having a commercial auto policy will keep you protected. Here is some information about commercial auto insurance that may come in handy for your business.

What is commercial vehicle insurance?

This type of auto insurance protects the cars you use to operate your business in case something happens. Generally, the policy covers physical damage and liability situations that are not covered by a personal auto policy.

What exactly does a commercial policy cover?

  • Bodily injury liability: In an accident where you or one of your drivers was at fault and caused bodily harm or death, your policy will usually provide you with legal defense.
  • Property damage liability: This protects you if one of your vehicles accidentally damages someone’s property.
  • Combined single limit (CSL): Liability policies usually offer separate limits to bodily injury claims and property damage claims. A combined single limit policy has the same amount of coverage per occurrence regardless of the type of claim or how many people it affects.
  • Medical payments: A commercial policy usually covers the medical expenses of the driver and passengers in one of your vehicles, regardless of fault.
  • Uninsured motorists: If an uninsured or under-insured motorist causes an accident resulting in bodily harm or property damage, your policy covers you for damage up to a certain point.
  • Collisions: It will pay for the repairs of the damage done to your vehicle if it hits or is hit by another object or car.
  • Comprehensive physical damage: You are covered if your vehicle experiences damage from theft, vandalism, natural disasters and other covered circumstances.

Contact Global Financial & Insurance Services in Irving for all of your Texas auto insurance needs. Keep your commercial cars protected in case of an accident with a commercial auto insurance policy. Know what commercial auto insurance can provide for you and get a policy, today!

What Can Commercial Auto Insurance Do For You?

What Can Commercial Auto Insurance Do For You?

Irving Car Insurance

As exciting as watching your new teen driver reverse out of the driveway is, it can often be extremely daunting as you know its effect on your auto insurance premium. However, your teen’s new found freedom does not have to break the bank. There are a variety of ways you can save on insuring your new teen driver, including:

  • Is your teen driver taking advantage of all available insurance discounts? All those years of “nagging” your child to get their homework done and get good grades are over. If your child wants to continue enjoying their freedom on the roads, they must obtain a B average in order to receive the good student discount. This significant insurance discount will make a great difference on your auto insurance premium.
  • Speaking of discounts, your child can take an extra driver education course for an additional discount. Safe and educated drivers are more aware of their surroundings and make better decisions on the road.
  • What type of car is your child enjoying their new freedom in? This can make a significant difference on how much you pay for auto insurance. If your child is driving a reliable car with additional safety features such as a rear-view camera, you can expect a less expensive auto insurance premium. However, if you gave in to the begging and purchased them a sports car, you will likely be paying more in premiums each month.
  • Most importantly, the adult drivers listed on your policy need to focus on utilizing all qualifying insurance discounts as well. If you have not reviewed your policy in a while, now is a great time to do so. You can start taking advantage of insurance discounts you may have been missing out on.

Contact Global Financial & Insurance Services in Irving for all of your Texas auto insurance needs. We understand the daunting task of adding your new teen driver to your policy and will go above and beyond to ensure that you are taking advantage of all discounts you are eligible for.

Irving Car Insurance

Insuring Your Teen Driver’s New Found Freedom