Filing a Home Insurance Claim? 3 Steps You Can Take Now!

Filing a Home Insurance Claim? 3 Steps You Can Take Now!

When you’re preparing to purchase your new home, you will inevitably hear plenty of advice from your friends and family. They’ll tell you:

  • How often you need to call an exterminator.
  • What to do if your AC stops working.
  • Whether getting a pool is a good or bad idea.
  • However, what you may not hear is any advice on getting the right homeowner’s insurance. For instance, the steps you need to follow when filing a claim. Fortunately, Pronto Insurance has you covered if this is the information you want.

    Call Your Agent

    If anything happens to (or at) your home, the first thing you must do is contact your insurance company. Doing so promptly may mean the difference between a successful and speedy claim or one that takes way too long to process.

    Hold Off on Repairs

    Sure, if something happens to your home, you’ll want to get it fixed as soon as possible. However, you must take photos and record the damage before you make repairs. Your insurance adjuster will likely want to inspect your home, so you may need to wait on repairs until after speaking with them.

    Ask Questions

    When an insurance adjuster contacts you or visits your home make sure to:

  • Be clear and concise when reporting the events leading up to the home damage.
  • Remember to stay calm and avoid feeling overwhelmed while your insurance company helps you.
  • Ask your agent as many questions as you need to be answered.
  • Feel free to join your adjuster as they complete their inspection.
  • Here to Help

    Whether you’re an established homeowner or just beginning your journey into homeownership, know that your insurance company should be there to take care of you. It’s something that Pronto Insurance has prioritized since our inception and something that we’d love to share with you. If you’re currently shopping for insurance or want to know more about our services, message us today.

    These 3 Insurance Myths Are Not What They Seem

    These 3 Insurance Myths Are Not What They Seem

    If you find yourself shopping for insurance, you’re likely to hear a few opinions from friends, family, or even the internet. This, along with the overwhelming amount of available information, can make finding the best insurance for your vehicle challenging.
    At Pronto Insurance, we want to make your insurance shopping experience a little easier. We want to discuss and debunk some of the most common car insurance myths.

    Your Credit Doesn’t Matter

    If you’ve bought a house, a car, or simply gotten a credit card, you know how important your credit score is. Things are no different when it comes to your car insurance. Most insurers determine rates by using your credit history. After all, it will disclose just how reliable you are when making payments.

    Specific Colors Are More Expensive to Insure

    You’ve probably heard people say red cars are almost impossible to insure. However, this is far from the case. The reality is that your car’s age, model, make, and engine size will have a greater say in how your insurance rates play out.

    Your Rates Rise Along With Your Age

    Nobody wants to get older, but at least find closure in knowing aging won’t raise your premiums. Actually, quite the opposite! In many cases, drivers over a certain age are eligible for age discounts that could decrease their payments.

    Let’s Get You Insured

    If your insurance shopping journey has been too stressful, don’t worry. The experts at Pronto Insurance are ready to make things easy. We’ll evaluate your needs and tailor an insurance plan based on them, so you get exactly what you need and nothing more. Contact us today if you have any questions about our rates.

    Today’s Gas Prices Call for a Guide on How to Save Fuel

    Today’s Gas Prices Call for a Guide on How to Save Fuel

    Gas prices have skyrocketed over the last few weeks, and there’s no telling when they will normalize. Of course, it would be unfair to suggest you should simply stop driving. However, you can take a few steps to make sure you’re keeping as much fuel in the tank and money in your pocket as possible.

    Not Every Hour is Rush Hour

    Quick question. Is speeding acceptable when running late to work or simply looking for a thrill? Nope! Speeding is never the right call. It’s dangerous and selfish, and it also wreaks havoc on your gas consumption. The key to saving your fuel is watching your pace and driving steady.

    Maintenance Your Vehicle Regularly

    If you’re not necessarily one to keep up with tune-ups, it may just be time to change your ways—oil changes, air filter replacements, and spark plug checks, are all essential to keep your vehicle in good shape.

    Tires are Important

    Your tire’s pressure, tread, and overall health are important factors ensuring your vehicle is safe and efficient. Even a poorly-inflated tire will produce more resistance on the road. This means your car will struggle to ride along and, in turn, waste more of your precious gas.

    Plan Ahead

    Driving around aimlessly is the perfect way to ensure you’re wasting gas. Be smart and plan your trips before climbing into the driver’s seat. Plan ahead and give the insurance agents at Pronto Insurance a call if you’re ready to protect your car. We’ll help you find the protection that best fits your needs.

    If There’s a New Driver in Your Home These 3 Steps Are a Must

    If There’s a New Driver in Your Home These 3 Steps Are a Must

    Getting your “first car” is a milestone in almost everyone’s life. It signifies more freedom, more responsibilities, and an even more important step into adulthood! But before your new driver takes to the road, they should do three essential things. The insurance experts at Pronto Insurance want to share a few steps new drivers need to follow.

    Learn About Your Hot Rod

    As any seasoned veteran knows, no two vehicles are the same. Pedal positioning varies between cars, the shifter may be in a different spot, and the way it drives can also be unique. It’s the reason why it’s so important that every new driver gets to know their vehicle before even turning it on. They should also become familiar with the concept of regular tune-ups and the frequency of oil changes.

    Know Your Roads

    Your new driver is likely not going on a cross-country road trip any time soon. More than likely, their commute will probably be limited to just a few miles from your home. With that said, it’s important they know their routes to get familiar with speed limits, street names, and even the odd bump on the road.

    Insurance Is a Must

    Insurance can be a confusing concept even for the most seasoned drivers on the road. But it doesn’t have to be! Your new driver needs to learn just how important insurance is, especially at their age. It’s why the insurance agents at Pronto Insurance are ready to provide every bit of information they need along with expert advice on coverage, policies, and cost. Contact us today for more information about our services.

    Is It Time for an Auto Insurance Change? Pronto Insurance can Help!

    Is It Time for an Auto Insurance Change? Pronto Insurance can Help!

    Whether you’ve had your auto insurance for a few months or several years, you must review your policy frequently. Because, while car insurance is required from you as a driver, you aren’t required to stick to only one provider.

    Simply put: after taking a closer look, you may decide a better insurance policy is on the horizon for you. If you’re unsure if now is the best time, Pronto Insurance wants to share some of the most common reasons why today may be an excellent time to make the change.

    The Timing is Right

    As you can imagine, the best time to change your insurance company is around the time when your renewal period draws closer. This can potentially avoid any additional costs to you. With that said, there are always other reasons why making the change now is your best option. For instance:

  • You improved your credit score.
  • You want to add drivers to your coverage.
  • You have an upcoming opportunity to change vehicles.
  • Your current policy costs have been steadily increasing.
  • The insurer you have has failed to provide good service.
  • The policy you currently have is no longer what fits you best.
  • Make the Change with Pronto Insurance

    If you’re ready to make a change in your auto policy, Pronto Insurance is here to give you guidance on your options. Our agents are prepared to help you online, by phone, or in-person so you can find the coverage that best fits your current needs. Get your new quote at www.prontoinsurance.com today.

    Did You Witness a Car Accident? Here’s How You Can Help!

    Did You Witness a Car Accident? Here’s How You Can Help!

    There are no two ways about it: accidents are scary. Not only do they happen out of the blue, but they can cause additional and substantial damage even if no serious injuries occur. What would you do if you were driving and witnessed an accident near you? At Pronto Insurance, we value safety, so we want to share some helpful tips that will keep you safe and help ensure everyone’s wellbeing.

    Ensure Your Safety First

    Whether you witnessed a car accident a few inches from you or a few feet away, your priority should always be to keep yourself safe.
    Follow these steps:

  • First, pull over to the side of the road.
  • Then, turn on your hazard lights.
  • Lastly, remain inside your vehicle, especially when the area is congested with traffic.
  • Call 911

    Depending on the accident, there is a big chance some of the people involved could have received severe injuries. We recommend you contact law enforcement and emergency medical services if the people involved are unable to do so. The operator will ask you for many details regarding the accident, so make sure you’re prepared to offer most, if not all, the information.

    Wait for the Authorities

    There’s a chance law enforcement will need information regarding the accident that other people may not be able to provide. If you want to help out, talk to them and tell them everything you saw happen.

    Additionally, if injuries occur, you may feel inclined to calm the person down and let them know authorities are on their way. While there is nothing wrong with doing so, keep in mind some tempers may flare due to the shock of the accident. If people are being aggressive or disrespectful, keep your distance and evaluate the situation accordingly.

    Will My Car Accident Report Stay on Record Forever?

    Will My Car Accident Report Stay on Record Forever?

    A Lesson in TimeThe amount of time an accident stays on your driving record depends on which state you reside in. For instance, an accident in California can remain on your record for 39 months, yet offenses like DUIs and hit-and-runs can stay for 13 years. However, in Texas, accidents are listed on your driving record for 15 years while intoxication- and alcohol-related accidents stay forever.

    Avoid Permanent Records

    You can avoid having a negative record by practicing safe driving. Our insurance group wants to remind you to respect the road.

    Always remember to:

  • Avoid distractions
  • Obey the speed limit and traffic laws
  • Avoid driving when tired
  • Never drive while intoxicated
  • Avoid interactions with other drivers that keep your eyes off the road
  • The Most Stolen Vehicles in the State of Texas

    The Most Stolen Vehicles in the State of Texas

    Did you know that, on average, it takes just three minutes for a thief to steal a vehicle? In many cases, that number is even lower since most thefts happen when drivers leave their keys inside the car!
    Even modern cars with chip keys and push-start technology can pose little resistance to car thieves. At Pronto Insurance, we want to help protect you and your vehicle, which is why we want to share some valuable information about the most stolen vehicles in Texas.

    The Usual Victims

    According to the National Insurance Crime Bureau, the most stolen vehicles in Texas are Ford and Chevrolet pickup trucks in the first and second spots, respectively. When it comes to national rates, Honda’s Civic and Accord models are vehicles that are most stolen.
    According to Flex Fleet, there were about 4.2 million trucks in Texas in 2020. That means all of these vehicles have a high risk of becoming another statistic, which is why it’s so important that you take the necessary steps to keep thieves at bay.

    Don’t Become a Statistic!

    Whether you’re indoors running a short errand or leaving your vehicle in your driveway for the night, there are steps you can take to help prevent a theft. Stay vigilant, make smart decisions, and keep these tips in mind:

  • Park your car in well-lit areas when possible.
  • Double-check to make sure the car is locked.
  • Always leave your windows up.
  • Never leave your keys inside.
  • Always have the alarm activated.
  • Labor Day 2021: Enjoy Your Long Weekend with the Utmost Safety in Mind

    Labor Day 2021: Enjoy Your Long Weekend with the Utmost Safety in Mind

    Each year, people from around the nation count down the days for that weekend that allows us rest, fun, and relaxation. These special occasions include Martin Luther King Jr. Day, Presidents Day, Memorial Day, Columbus Day, and Labor Day. But, while most people know the significance behind most of these days, Labor Day can often be a mystery. At Pronto Insurance, we like history, especially when it gives way to the joys of a three-day weekend!

    The Beginnings

    In the late 19th century, trade and labor unionists became more active, seeking rights and recognition for the many laborers of America who had a tremendous impact on the way the nation developed.
    The Labor Day holiday (to be celebrated on the first Monday of September) as we know it today, was initially proposed in the early 1880s, although the exact origin is subject to debate. However, one thing is certain: the purpose of the holiday was to recognize and celebrate the contribution that America’s laborers had on the developing nation of the time.

    Celebrate Responsibly

    Today, families across the nation celebrate the occasion by taking trips out to their local parks, the beach, or any other destination that offers the perfect setting to relax and enjoy the day. Of course, this often means more vehicles packed with anticipating passengers hitting the road!
    At Pronto Insurance, we want to remind you that safety is just as important as fun, which is why we suggest following these simple tips to make sure your Labor Day is as safe as it is exciting:

  • Follow the rules of the road, no matter your destination.
  • Ensure that your passengers have fastened their seatbelts.
  • Be respectful to other drivers and avoid distractions.
  • Never get behind the wheel after consuming alcohol.
  • What Should I Do If I’m the Victim of a Hit-and-Run?

    What Should I Do If I’m the Victim of a Hit-and-Run?

    Car accidents, no matter how minor, can be as stressful as they are frightening. However, few are as rage-inducing as a hit-and-run accident. You see, in most situations, drivers involved in accidents can navigate their crashes in a respectful manner.

    They can exchange information, determine the well-being of their passengers, and find a conclusion to their situation. By driving away, culprits in hit-and-run accidents deny this opportunity to their victims. So, what should you do in the event of a hit-and-run accident?

    Pronto Insurance has the information you need!

    The Dos and Don’ts
    At Pronto Insurance, we strongly suggest you follow this list:

    Do:

  • Contact emergency personnel if there are any injuries at the scene of the accident.
  • Contact us.
  • Gather as much information as you possibly can, including license plate numbers, vehicle info, photos of the scene and damages, and the location, date, and time.
  • Ask witnesses if they’re willing to provide any additional information about the accident (get their name and contact info for future reference).
  • Don’t:

  • Pursue the vehicle that hit you.
  • Leave the area.
  • Wait to contact the police.
  • Wait to contact us.
  • Protection You Can Count On

    If you’re ready for the protection you deserve against hit-and-runs or any other types of car accidents, then contact Pronto Insurance today.