Rene Toman – How Much Does Motorcycle Insurance Cost?


If you want to purchase a motorcycle and you did not notice the additional payment for it, you may be surprised on how much you need to spend on its insurance. Vehicle insurance does not only pertain to cars; even motorcycles need it. The Houston auto insurance cost may vary depending on the coverage which you can freely select. However, some state would require you to pay for coverage even if you think that you do not need it. So, how much does motorcycle insurance really cost?

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Tips to Reduce Your Home Insurance Costs

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All homeowners are looking for ways to reduce our home insurance costs. Costs continue to rise and budgets get tighter and tighter with each passing year. Here are 8 tips to reduce your home insurance costs.

1. Increased Home Security

Most homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.

2. Keep your credit score as high as possible.

While it would seem that a good credit score would have nothing to do with insurance rates, it is a fact that they do. Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less claims they will have. So, insurance companies are giving lower rates to those individuals with a better credit score.

3. Consolidate your policies.

Most, if not all companies that sell home insurance, offer discounts for insuring your autos with them. These discounts can sometimes save you up to 30% off of your total insurance bill. Plus, you get the added convenience of having one agent for both your home and auto insurances.

4. Protect your home with updates.

Discuss with your agent about the possibilities of receiving home insurance discounts for keeping your home in good repair. Some home insurance companies will offer savings for a anew roof, electrical, HVAC, plumbing updates. The discounts are generally not enough to warrant the replacement but if you needed it anyway, be sure to get the discounts if applicable.

5. Make sure you are not over insured.

Your home insurance coverage should not necessarily be what you paid for them home. Land values are calculated into the final sales price and should be considered when insuring the structure. In others words you cannot hurt the dirt. A good idea is to call local builders and ask them what new home construction cost per square foot is going for. Take that number, multiply that times your square footage and that is the amount that your home should be insured for. Companies will not pay more than what it is going to cost to rebuild the home anyway, so make sure you are insured correctly.

6. Stay away from low deductibles.

The deductible is your portion of the claim that must be paid before the insurance company pays for the claim. The lower your deductible, the higher your premium will be. Deductibles can range anywhere from $100-$5000 or more. The majority of homeowners will carry a $500 deductible, but the savings one can receive by raising your deductible to $1000 can be significant, up to 20%. It doesn’t take too many claim free years to make up the difference between the two deductibles, but remember you should never raise your deductible to a level that you could not afford to pay.

7. Ask your Home Insurance Agent

Most of the time, an agent will make sure that you are receiving 100% of the home insurance discounts that you qualify for, but it doesn’t hurt to ask. Some insurance companies have discounts that others do not. Some offer discounts that most would never dream as being a discount such as 55 and retired, non-smoking, military service, law enforcement, single parent discounts, etc.

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Rene Toman Insurance Agency


Rene Toman – How to Get Your Car Loan Approved


Purchasing a new car may be a bit challenging, especially when budget is a primary issue. Good thing, there is such a thing called car loan which you can opt for when you want to own a car at a staggered payment. However, you may not be approved of a car loan when your credit scores are too low.

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Rene Toman – Checklist for Self-Employment


Are you ready to quit the corporate world and simply employ yourself in a business you’ve always wanted to start? Before doing so, here is a checklist that should serve as your guide in self-employment.

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Rene Toman – Tips in Getting Auto Insurance


If you plan to buy and drive a car, you have to be ready for the responsibilities that come with it. For one, you have to be a responsible driver. You have to protect yourself at all times on the road, without compromising the safety of other drivers, passengers, and pedestrians.

Another task that you need to keep in mind is taking care of your car and protecting it from any damage. The good thing about owning a car is that you can have it insured, so that no matter what happens, it is covered by a Houston auto insurance and you can have it fixed or replaced when necessary.