By LouLouBear December 26, 2018
A family member recommended I visit Farmers (Alisa Manuel) and I am sooooo thankful I did. Farmers has really awesome rates and an amazing agent working for them. I tell everyone to go see Alisa for your insurance as my experience was soooo easy and I felt comfortable. ...read more
By tlt2009 February 10, 2015
Not just another insurance company advertising a "cheap" rate or another gimmick to get me to switch my insurance. My local Farmers agent, April Tolbert, really took time to be sure I had the right coverage AND a great price! I recommend April & her team to all my family & friends. ...read more
By Tina Denton July 15, 2008
Brian is THE best insurance agent we've ever had!!! He'll actually spend time with you, offer advice.....and he's always there for you. He's also nice, friendly and very personable. I/we highly recommend. ...read more
You might not have what we usually consider a boat. But if you have kayaks or canoes, you should talk with an independent insurance agent to see if you need insurance or not. Why have this conversation? Because while kayaks and canoes are built to float, they can still sink. Besides sinking, your kayak and canoe could be in danger of being stolen. You probably transport the vessel on top of your car. If you stop at a store or gas station, then someone might steal it. If you take your kayak/canoe off of your vehicle at the lake edge and then go park, someone could easily take it. What should you discuss with your agent? Some insurance agencies say that if your kayak or canoe is worth $1,500 or less, then it's probably covered in your homeowners policy. Most policies will cover your kayak or canoe anywhere, except at a second home (you have to include it in your insurance for your second home). Kayaks you buy at most sporting goods stores fall into this category.However, if it's worth more than $1,500, then you might need to talk about scheduled or itemized insurance coverage, just as you would jewelry. Discuss the value of your kayak or canoe and coverage in your homeowners policy. You will also want to discuss if there is coverage for while your kayak or canoe is in storage. Kayaks that you buy with specialized features might be in this category. If you loan your kayak or canoe to other people, do you have adequate liability insurance? When people use your watercraft, they might look to you for insurance coverage if injured due to your kayak or canoe. Discuss liability policies with your agent and see what is covered and for how much. You might also want to talk about umbrella policies that could cover you for a million dollars of damages. Your agent might also help you find boating classes for you, your friends and family. If you own more than one kayak or canoe, be sure and look at the combined value. Discuss the difference between insuring the worth of the watercraft and the replacement cost. If you own multiple watercraft, don't forget to discuss the value of paddles, life jackets and other equipment required for using kayaks and canoes. This is especially important if you have had a specialized skirt made for the kayak or special paddles for the kayak or canoe. Do you own a kayak or canoe? Now might be a good time to talk with an insurance agent. We've got your back. Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont boat insurance. ...read more
By Miller Insurance Agency May 04, 2015
Motorcycling is an exhilarating and economical form of transportation. Unlike a car however, you aren't buckled into a protective metal cage with crumple zones and airbags. This means that motorcycling is less forgiving of mistakes. As with new car drivers, the risk is highest for new motorcyclists. The following are four tips for new riders on how to stay safe on the road. Wear Protective Gear Accidents can happen to anyone at any time. Wearing protective gear gives you the best chance of getting through an accident with minimal injuries. The most important of this gear is the helmet. The skull is fragile compared to the pavement and most other objects on the road, especially when traveling at high speeds. A full face helmet is the best choice because it also keeps insects and grit out of your eyes and reduces fatigue. Wear a jacket made of materials that will protect you from road rash. Wear gloves, long pants and footwear that protect the ankles. If your helmet doesn't have a visor, use goggles to protect your eyes. Don't Target Fixate On a motorcycle, you tend to go where you are looking. When turning, look where you want to go. That is, look through the turn. If you fixate on a pothole, that is where you will likely end up. Instead, look through the portion of the turn that is clear of potholes, debris or parked cars. Of course, when there are road hazards, you should also slow down. Be Alert and Defensive Motorcycles are smaller than cars, which makes them less visible to motorists. Assume that cars pulling out from side streets or changing lanes can't see you, and drive accordingly. Always leave sufficient road space ahead of you so that you have plenty of stopping distance and time to react to problems on the road. Be alert for hazards on the road surface. If you've ridden a bicycle, you can appreciate the dangers of wet leaves, sand, pebbles, potholes and railroad tracks. These hazards are just as dangerous for a motorcyclist. Unlike cars with four wheels, a two wheeled vehicle is more sensitive to the road surface conditions. Don't Take Risks Drive conservatively and deliberately. If something looks risky, don't do it. This is especially important for a beginner motorcyclist, who hasn't acquired enough road experience to develop a good sense of judgment. You should also drive within the speed limit and reduce speed when the road is wet. In addition to following these tips, take a riding course to further hone your skills. There are many motorcyclists who have been riding a lifetime without ever getting injured. Ride safely and you can be one of them too. Stay safe on the open road. Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont motorcycle insurance. ...read more
By Miller Insurance Agency January 05, 2015
Even though motorcycle insurance is a requirement, it doesn't have to break the bank. Knowing which factors affect motorcycle insurance premiums is the first step toward saving. While some factors are out of your control, plenty of other factors can be changed in order to help you save. Driving record and age:A motorcyclist with a clean driving record is likely to pay less than one with multiple tickets and/or accidents on record. Similarly, young motorcyclists are viewed as riskier and are likely to pay more than more experienced riders. Motorcycle make and model:Your bike's make and model help determine its value. A more expensive bike may cost more to insure due to higher repair costs. Location:Motorcyclists who live or ride in high-crime areas and/or store their bike outdoors are likely to pay more for coverage than those who are located in safer areas and/or store their bike in a garage or shed. Coverage options:While all motorcyclists are required to purchase liability coverage, you may wish to also purchase additional coverage such as collision, comprehensive and uninsured/underinsured motorist coverage (among other options). Frequency of riding:Because more time on the road exposes you to more risk, year-round bikers may pay more for coverage than seasonal or weekend bikers. Custom accessories:Covering add-on components will often be an additional cost since they add value to your bike. Bundles:Creating a personal insurance bundle, including your motorcycle insurance, can save you money across the board. Frequency of payments:You often must pay a processing free with each payment, so making fewer payments — annual or biannual as opposed to monthly — can save you money. Discounts:There are various motorcycle insurance discounts available, but you may never know about them until you ask. Talk to your independent agent to find out if you're eligible. We'll help you save today. Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont motorcycle insurance. ...read more
By Miller Insurance Agency September 05, 2014
As the cost of owning and operating a vehicle increases with time and the rising gas prices, rising repair costs and other factors, cutting costs wherever possible is especially important. This can be done by monitoring your automobile insurance rates. Situations change and it's important to keep a cl... ...read more
Car collision insurance provides coverage in the event of physical damage to the policyholder’s own auto. The damage must be caused by colliding with another vehicle or inanimate object. It doesn’t matter if you are at fault or not. The insurance company pays for losses that are over the d... ...read more
