Monthly Archive: January 2017

Automobile Insurance FAQ

Automobile Insurance FAQ

Motorists can have some questions they would like to find the answers for regarding their coverage, prices, quotes, vehicles and policy terms. They do not feel comfortable to ask to an agent or broker each time they like to find out something. Most of the time can find substantial information online, visit us here: We try our best to be helpful here as well. However, policyholders should not hesitate to call their insurers when they have important and specific questions.Car Insurance

Here are some of the questions we come across often. These answers are not extensive and you may be able to find more on posts within this site addressing specific topics.Does my policy cover me for driving cars belonging to others? Usually, the owner of the car should have arranged coverage if he will let others drive his car. Your policy can cover cars belonging to others while you are driving, if you ask for it. However, this will probably cover the liabilities you may face after the owner’s policy exhausted and not the damages to the car.Will my cover the rental car as well? You can get your private policy to cover the liabilities section when you rent a car. However, it is unlikely that they will cover any car you rent for damages. You may have to buy damage waiver from the rental company.Why the agent likes to know who else can drive in my household?

Companies assume that at some stage you may allow them to drive your automobile. They like to accommodate this possibility in their calculations.What extras I should buy on top of the liabilities to insure my car properly? Collision coverage pays for any crash related damages your car may suffer. Comprehensive coverage will include most other damages to it except the collision like weather related damages, theft, vandalism, falling threes and so on.How come rates are so different in the market? Every company has their own preferred risk profile and every policyholder carries specific risks. When an insurer comes across a driver meeting their acceptable risk criteria, they will offer better rates. If they do not like the driver history or the car he is driving, they will offer much higher rates. You just have to find your ideal insurer to get the best rates.What is deductible and how does it affect the rates? Deductible is the first portion of a damage that will be paid out of the pocket of the policyholder before insurance kicks in.
The more risk you take away from the carrier by increasing the deductible the lower the premium should be.How much my rate can go up if I move from a town to a large city? A lot is the short answer. Depending on how safe is your current location and how risky the city center you are moving to, the premium can be as much as double.How come some cars are cheaper to insure compared to similar cars of different manufacturers? Some manufacturers build safer cars than others. These safety features can reduce the injuries to people and damages to cars.
As a result, insurers are likely to pay less for claims and therefore offer better rates to those owners.Can auto insurance companies reject certain claims? Yes, in some cases they will have to. If you were drunk when you caused the accident or deliberately damaged it, they will not be happy to pay.If my car is totalled, would the insurance pay for my loan on it? Not automatically, but yes if you bought a gap insurance. These are special additions to make sure that the payment is not less than the loan when the vehicle is totalled.Can insurance companies refuse to insure certain people? Yes, they do not have to accept every risk especially bad drivers with several accidents in a short time or many traffic violations are not necessarily welcomed.What happens if I stop paying the premium instalments? Probably, the policy will be cancelled. Some companies can cancel automatically as soon as you stop paying and few may allow a grace period even though they do not have to.Is it easy to get quotes online? It is pretty easy when you find an efficient website like to carry out the search. It should not take more than thirty minutes to properly compare rates and buy.About us | Contact us @ or for Homeowners Insurance info go to

Air Conditioning South Texas

Air Conditioning South Texas

Air Conditioning Tips

We have all experienced the torrid summer heat in South Texas. To keep your house cool it is important to keep your air conditioning equipment in top working condition. When was the last time your serviced your air conditioner. air conditioner repair

It is important to keep your equipment clean so it will operate properly. Have you had your freon levels checked? Why go all summer long paying the high cost of electricity when an air conditioner checkup could eliminate the problem.When was the last time you changed your air conditioning filter? Did you know a dirty air conditioning filter can cause your air conditioner to use 5 percent more electricity? A dirty air filter restricts air flow causing your equipment to work harder and use more energy. A dirty air filter leads to a dirty evaporator coil. If your air conditioner evaporator coil gets dirty it is expensive to clean. Change your air conditioner filter regularly and keep these problems form happening.On a split system, the outside unit is called a condenser. The condenser also has a coil which air passes through to cool the freon that has collected heat from your house. An air conditioner actually pulls heat from the house. The absence of heat is cool. It is very important to keep the condenser coil clean also. When mowing the lawn it is a good idea to turn the air conditioner off to keep dirt and grass from being sucked into the condenser coils. It is also a good idea to use a garden hose to was down the coils every month or two in the summer.

Be careful not to bend the fins on the coil as this will ruin the coil. Ask your A/C service tech to show you how to do this properly.Have your air conditioning and heating equipment checked out prior to their respective seasons. This is especially true when dealing with older equipment. 1st Class Air offers an Air Conditioning Performance Checkup for $39.90. Call us today and have your homes air conditioner checked.
Air Conditioner Service and Repair. call Today
South Texas residents, please add our website to your favorites or bookmark it.Have you ever driven away from your Plano, TX home realizing you did not push up the thermostat for the air conditioner. Then you hear the weather report and realize the air conditioner is about to run the majority of the day with no one home. You should consider a programmable thermostat. Another advantage of a programmable thermostat is at night. You can get to sleep when the house is cool enough. Later, your body will cool down naturally while you are at rest. The programmable thermostat allows the air conditioner to be be turned up…and you will never feel the difference.If your air conditioner is not cooling and you notice ice on the coil, turn the air conditioner off. Then turn you fan setting on the thermostat from AUTO to ON. This will help the air conditioner coil to thaw. If a technician arrives to your Plano, TX home the coil must be thawed out for the technician to service your unit.If you are happy with the service provided by 1st Class Air, please recommend us to your Texas neighbor. We value your word of mouth referrals.

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Your Home is under attack

From mice to ants to raccoons, all sorts of creatures and insects will try to find homes in human abodes. Unfortunately, sharing space with these critters is not a good idea due to spread of disease and unsanitary conditions. If you’re ready to get rid of them, you will find this article useful.

Once you eliminate fruit flies, do they seem to keep returning? The weak link might be your drains. Make sure that you wrap your drain to the best of your ability with plastic. If so, pour boiling water into the drains, and give them a good cleaning. This should eradicate the fruit fly problem. Orange Oil also works very good, before you go to bed pour an ounce into your sinks drain and let it sit over night. Roach Control

Hairspray is great for eliminating bees and wasps. Hairspray has a lot of chemicals that can kill the insects, and the residual smell will keep new bugs from invading the same spot. A solution of Dish-Soap and water in a manual spray bottle will help against all kinds of pests.

TIP! When you place brushes around the house, keep them far from the building, about a foot away is preferred. Bushes make a great home for many different insects and rodents.

Begin at the beginning. If you are dealing with pest issues, try to determine and remove the factors which keep them thriving. One reason you may have a problem is because your house provides food, water or shelter for a pest. Look for and eliminate any leaks, food scraps, and entry points into your home.

Bedbugs can be very difficult to get rid of because they have a tendency to hide. All holes should be sealed before beginning any type of extermination. Doing this means no bugs can come out after you have exterminated.

Are you dealing with an ant infestation? There are many home remedies, but one effective one is mixing sugar with borax. The ants will be attracted to the sweet scent from the sugar, and they will be killed by the borax. All you need is a cup of both sugar and borax and a jar. Poke holes in the jar lid, and sprinkle the content along your house’s basboards and foundation.
ant control
Be sure the water system of your home is leak free. Humidity attracts pest. If there is a drip far away, they can sense it. Don’t let this small problem lead to larger disasters involving pests within the home. Just put in some work to fix the leak, and you can prevent having to put in a lot of work to eliminate pests from your home.

TIP! Crevices and cracks inside your home are perfect places for bugs. These cracks can be an easy entryway for pests to come into your home.

Fleas are a tough pest to abolish, but there are many ways to help do this. The first thing to do is to thoroughly vacuum everyday, than spray the area with a good flea spray. Always toss out your vacuum bag once you are finished cleaning your living space.

Make sure you rinse your recyclables before putting them in the recycle bin. One of the most important items to rinse is soda cans that contain a lot of sugar. Be sure to clean out those soda cans before you put them in the garage or in your outside receptacle.

Fleas are a tough pest to abolish, but there are many ways to help do this. Vacuum your home each day, and then follow up by spraying flea spray. Get the vacuum bag out of your home when you’re finished.

TIP! If you have a problem with mice and rats, make sure any new trees you plant are sufficiently far from your house. Rodents can climb up them and go into your house by way of the attic.

Outdoor lighting is fantastic for entertaining or keeping strangers away in the evening, but it can also attract pests. Bugs and pests do not particularly care for the colors orange, pink and yellow, so using these colored bulbs can help deter certain pests.

Check every foot of your home for pests, as no area is immune. You might have termites taking over an underground area of your house that you don’t often enter. Make sure crawl spaces and basements are inspected thoroughly.

You may find electronic pest repellents to be super effective. The slight buzzing sound coming from being plugged in is what works. Although they are audible to humans, they are not harmful to humans or pets in anyway. Rodents will leave the vicinity since the sound bothers them.

To control pests, take a look at your plumbing. Keep all of your drains clean and running smoothly in all parts of your house. When drains become clogged, the resultant mess provides a food source for undesirable creatures. After you clear the pipes of debris completely, you should repeat the process on a regular basis to help prevent an infestation.

TIP! An effective solution for your local pest control is an electronic pest repellant. You plug these little devices in every room, and they make a tiny buzzing sound that keeps rodents away.
mosquito control
Mosquitoes will disappear if they do not have a place to lay their eggs. Drain places that are harboring stagnant water. Mosquitoes have been proven to breed in spots of water as tiny as what is left in a discarded food can with water still inside of it.

Getting rid of these pests once and for all may not be easy, but here are some hints to help. Having said that, you can’t be successful if you don’t put in some work. Use the information presented here to live a pest-free life soon.

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