Cheap Car Insurance Texas

Auto insurance in Texas is based mainly on safety. That means innovations in the auto industry that make cars safer also tend to bring down the cost of insurance. It usually takes time for new safety features to appear in mass-market cars, but new software updates can be deployed instantly. They use the existing tools of the car and add new functions to them. There are good recent examples of car companies using software updates to improve the safety of their cars, and as the onboard computers become better, it will be easier to use software to make cars safer and insurance cheaper.

The Example of Tesla

The flashiest example of a software update came just last month when Tesla, the electric car company, released new software for its Model S cars. The software had a new feature called Autopilot that did exactly what it sounds like it did: Autopilot can automatically direct the car while it is on the highway. It can maintain its position in traffic, change lanes, adjust to the presence of other cars, and navigate on ramps and exits without any human input at all. In effect, owners of the Tesla no longer need to control their car on highways. A team has already taken the Model S from California to New York using Autopilot to do the vast majority of the driving. The car can also park itself. All of this was done using nothing more than software- car owners woke up one day and the feature was available. The sophistication of the computer in the car meant that it just took adding some more code to allow the computer to scan its local driving environment and direct the car’s driving systems. The Model S can react to changes in traffic, curves in the road, and obstacles faster than a human driver, creating a safer and more convenient driving experience. The cost of cheap car insurance Texas for Tesla owners correspondingly fell. Autopilot is a new feature and limited in scope, but it was so easy to deploy and add to existing cars that the benefits applied immediately to all owners of the car.

The Concerns

The fact that cars are increasingly connected and reliant on software opens up a new avenue of concern- hacks. Some researchers have demonstrated the ability to hack into a car using its computer and gain limited control over the car’s movement. This is a potential vulnerability, but just as software created the opening, so can software be the solution. Car companies simply need to get used to the idea of building security into their software updates. Right now, because cars and tech are a recent fusion, the software engineers for auto companies are not used to adding security measures to their code. But that is just a matter of adjusting to the security environment: it is not difficult to create robust security and add it to a software patch. Greater security for the onboard computer will do even more to make cars safe.

The safety features that software updates make possible and accessible have the potential to transform cars that people already own, without forcing them to buy a new car to get access to the latest innovations. It is hard to overstate how useful this concept is- considering that families spend several years with the same car, they can miss out on a lot of new safety tools in that time. The fact that they stick with the same car also means they cannot enjoy the insurance savings from new safety features either.

Texas Homeowners Insurance Quote

Preparing Your Home and Homeowners Insurance in Texas for Hurricane Season

Whether you live inland or own a coastal property in Texas, the smartest thing you can do to prepare for hurricanes is to plan in advance. Hurricanes generating winds of 100 mph or more can cause significant flooding and wind damage. These tips provide helpful reminders about securing your home, updating homeowners insurance in Texas and taking action after the storm.

Securing Your Property and Home

No one can say for sure that your home can be secured well enough to withstand the forces of hurricane winds and flooding. However, taking precautions might just make a difference on whether your home survives, how much damage there is and if you’ll need to file a claim for homeowners insurance in Texas.

Because most homeowners don’t have the experience to know what repairs may be needed, you should consider hiring the expertise of a certified home inspector or contractor with knowledge of hurricane construction. Taking these precautions could prevent making a claim on homeowners insurance in Texas.

Professionals will check your roof, attic ventilation, doors, windows and attached structures to see what needs strengthening and where improvements can be made to mitigate hurricane damages.

Inspections may reveal the need to attach roofing straps, wind resistant barriers, sealing roofing vents, shuttering windows and increasing support structures. It is also a good idea to consult with your insurance agent about your homeowners insurance in Texas if you’ve made construction changes to fortify your home against hurricanes.

In addition to strengthening your home against hurricanes, you should inspect your yard for anything that could turn into flying debris. Pack up and store children’s toys, lawn furniture, patio tables and grills into a protected area or garage.

Adding Coverage and Updating Your Homeowners Insurance in Texas
Sometime prior to June, when hurricane season starts in Texas, you should pull out your homeowners insurance in Texas policy to check all your coverages to make sure they are up to date and in order.

Pay particular attention to covered perils. If you have not yet covered your home for wind damages and flooding as a result of hurricane damage, you should consider these now. Most standard policies do not cover these perils. However, you can purchase a separate policy or an additional rider to make sure you’re covered.

Be sure to check your homeowners insurance Houston policy to make sure you’ve updated it to include any new additions to your home such as a pool, hot tub or a room addition.

Preparing Your Home Inventory for Homeowners Insurance in Texas

Make sure you have a complete inventory of all your personal belongings to be covered on your homeowners insurance in Texas. Your inventory should include the name, brand, serial number and photographs of each item in all rooms of your home.

Be sure to include tools and other equipment that may be stored in outdoor sheds, garden sheds or in a garage.

Storing Important Documents

Prepare a folder containing important documents like your homeowners insurance information, various policies, irreplaceable photographs and your home inventory to be stored at another location or in a safe deposit box.

Documenting Storm Damage for Homeowners Insurance in Texas

After the storm passes, you should videotape or photograph any obvious damage to your home inside and out. Don’t make repairs, and keep damaged items until you’ve spoken with your insurance agent.

After fortifying your home and updating your homeowners insurance in Texas, you should make sure you understand disaster plan procedures in your community. You should also have an emergency evacuation plan in mind for you and your family to evacuate your home safely.

Health Insurance Texas

The medical field is undergoing a period of technological change, and that change is spilling over to affect health insurance as well. The combination of regulations designed to promote cost-saving innovation and new software tools all add up to some interesting new ideas in health care. Whenever those ideas succeed in making people healthier and safer, they also tend to make health insurance cheaper, because insurance companies reward customers who are healthier with lower rates. That can open up big savings for Texas residents looking to save money on health insurance.

It is becoming more and more common for health insurance companies to offer incentives for customers who engage in certain kinds of healthy behavior. For example, there is frequently a discount for signing up for a gym or similar health service. That is an indication to the insurance carrier that you plan to improve your health. Regular exercise does a lot for overall physical and mental health, reducing the probability that you will make a claim. Generally, the savings are enough to offset the cost of the gym membership, so it is like getting the membership for free. Call up your insurance company and ask them if there are any similar incentives available to you.

That is just one example of health incentives. However, insurance companies do not really have any way of tracking whether you actually use the gym. If all they know is that you bought a membership, they can’t be sure you are regularly using it and improving your health. That goes for just about any health incentive insurance companies offer: they are frequently difficult to verify. Ideally, health insurers would like to track the health of their customers directly.

The rise of electronic medical records and personal fitness trackers might make that possible. There are many products that track individuals’ performance across a wide variety of exercises, like Fitbit’s line of wearable items. They contain massive amounts of data about personal records and vital signs, and they store that data for easy access. At the same time, care providers are investing heavily in developing large, comprehensive systems for storing health information. The ideal system would be able to track as much information as possible, from test results to past care experiences. There are already discussions about ways to unify these two concepts- personal electronics and medical databases. The possibilities are exciting. Consider a wearable fitness device that automatically records information about the health and strength of its wearer and then adds that information to the wearer’s medical records. That would mean that physicians could track physical health and collect data without needing the patient to come in for a checkup. Scales could transmit weight data to medical records. Much of the business of collecting basic data like blood pressure, balance, and heart health could be collected quickly and easily during regular workouts. This would not only save everyone a lot of time, it would also let doctors monitor their patients with better detail than they ever could before. That better data will translate into better, more responsive care. Improved care and health outcomes will reduce health insurance costs in Texas.

The basic idea is similar to telematics in auto insurance, and it is just as potentially transformative. Having better access to health signs will be a major boost to the ability to doctors to detect and monitor disease. Likewise, insurance companies will be able to verify that customers are really becoming more healthy and reward them with savings on their premiums.