25 Percent of Dallas Vehicles Are Uninsured; Don’t Let This Be You!

Are you driving an uninsured vehicle in Dallas? According to an article from the Dallas News, about 25 percent of vehicles in Dallas County are uninsured. That means 429,478 cars and trucks in the area are without Texas auto insurance.  There are also 3.7 million vehicles throughout the state that don’t have basic TX liability insurance coverage which is required by law.

Did you know that if you’re caught driving without any Texas auto insurance coverage, you can be subjected to a $350 fine? If it’s not your first offense, you can face up to $1,000 in fines and a suspended license. If you begin to gain multiple offenses, then you could be subject to arrest.

Given the consequences, not having Dallas auto insurance coverage will burn you in the end. If you’re uninsured or underinsured, visit our website today at www.DagleyIns.com and request a Texas car insurance quote. Or call one of our agents at 888.840.7995.

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Texas Car Insurance Deductibles, The Great High-Low Debate

Is it better to have a higher deductible or a lower deductible?

Well, that all depends on personal preference. A higher deductible means you will pay less overall for your insurance policy since you will pay more out of your own pocket when filing a claim. Contrariwise, a lower deductible means a higher overall cost for your insurance policy, since you’ll be paying less out of pocket when you file a claim.

So which is better for you? Factor in some of the following:

  • Do you live in an urban area where accidents are more common or more likely? If you think collisions are a fairly likely possibility, you might consider a low deductible, since there’s a higher likelihood of accident. You may be paying more for your insurance each month, but you’ll be paying much less out of pocket when that Texas Longhorns fan careens around the curb and bumps you.
  • Are you terribly accident-prone? Your opinion on risk determines a good deal of your decision on your deductible. If you have a pretty clean collision record and you’re a decently safe driver, your risk of accident is generally lower, so you can feel a smidge safer about a higher deductible. If an accident does occur, you’ll be paying more out of pocket, but you’re banking on the hope that your safe driving will lessen the chance of that happening.

And the most important part about your deductible? Keeping in touch with your Houston Texas Auto Insurance agent to actively discuss your policy. Your agent is there to customize your policy to fit YOUR lifestyle, so make sure you keep an open relationship with him or her!

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Dagley Insurance Texas and Colorado Business Partners Offer Web Discounts

At Dagley Insurance and Financial Services, simply providing auto, home and business insurance to Texas and Colorado is not enough for us. We believe in building a stronger community so Dagley Insurance is now partnering with Colorado and Texas businesses to provide their customers with discounts and promotional coupons just for choosing to do business with Dagley Insurance.

You can visit our partner’s page and start saving with venues such as Berryhill Baja Grill & Cantina, Champion Restoration, and Contemporary Concierge in Texas, or venues such as Pin Point Mailing in Colorado. If you own a business but do not currently have your insurance with Dagley, just fill out a quick form on our website to get started, or give us a call and we can explain the value of having an additional web presence.

Becoming a partner is easy, and is especially valuable if you don’t have a website or area small business trying to compete with national chains. It also puts your logo and business in front of the thousands of unique visitors who traffic our site monthly.

If you are a local business in the Texas or Colorado, you can become a partner on our page just by calling 866.297.2582 or filling out the brief form, and we’ll create a Partner listing on our site.

Dagley Insurance is always coming up with more ways to offer our customers benefits for insuring with us. Our referral program is filled with rewards! Just refer someone to Dagley for auto, home, or business insurance and start experiencing the rewards.

Nathan Dagley

Owner, Dagley Insurance & Financial

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Quality Service, Comprehensive Coverage and some Viral Marketing on the Side

Viral marketing is all the rage. The success of many products and brands demonstrated the eclectic power the digital media possess in inspiring consumers to respond to a more intimate interaction with a brand. This phenomenon has caught the attention of sundry businesses including Dagley Insurance and Financial Services in Katy, Texas. The marketing team at Dagley looked at social media outlets as the optimal medium that to promote and sell auto insurance, homeowners insurance, commercial insurance, life insurance and financial services.

The question is, what is the role of viral marketing in the social media campaign?

Viral marketing is the process of distributing promotional materials through user-initiated efforts. In other words the company provides content that is entertaining, informational or otherwise interesting to the target demographic and that target demographic under their own volition forwards the information to friends and family in their circle. Chances are that you have been a critical link between the company who created the branding message and thousands or even millions of uninitiated viewers of this subliminal type campaign.

Let us look at two giant companies who initiated successful viral marketing campaigns – Nike Japan and Dove, Campaign for Real Beauty.

Nike Japan wanted to re-ignite the youth’s affinity to their tag-line “Just Do It”. They encouraged young people to submit a video of themselves doing a killer move in any physical activity of their choice. The chosen videos were used by Nike in traditional advertising campaigns but the multitude of submissions were the real home run for Nike as they were sent back and forth over and over again reaching millions on the web branding their name and successfully re-igniting the tag line.

Dove’s Campaign For Real Beauty was a simple video that was developed to have the vital components of previous videos that have gone viral interwoven with their marketing creativity.  It simply showed the transformation of woman’s face in a way that was captivating.  This too was sent around the virtual world effectively providing the impressions that the company sought.

A few things to consider: First neither company was trying to sell a product, just branding, and secondly they take a single-minded proposition. Both are true of all top viral marketing efforts. Further, and most importantly, when considering how this could be implemented for a small company, the Nike model can be initiated with little or no cost, it’s called user generated content (UGC). The very idea of this should get all business involved in some capacity. Dagley Insurance sure isn’t missing the boat.

Yes, they identified that social media marketing and all of its aspects and nuances are vital to growth.  It truly offers them the best opportunity to promote their full line of auto insurance, homeowners insurance, commercial insurance, life insurance and financial services as well as to develop a more intimate relationship with their market. It is, after all, the most honest medium to date. Viral marketing is a step above traditional media because it offers immediate opportunity for your brand to be accessed by the consumer but beyond that, it is still very close to the good old traditional advertising. It still needs a single-minded approach, needs to be short and to have a breakthrough idea.

If you are in a business you need to know that social media marketing must now be a line item I your marketing budget. Additionally, you need to know that all clients of Dagley Insurance are provided with a social media-marketing package as a benefit of being a client. They extend their knowledge so that it helps grow your business. What’s your insurance company doing for you?

Contact Dagley Insurance if you would like to be more than a client.

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Top Eight Things to Know About Your Insurance

Over the Memorial Day Weekend, I was having a brief chat with some colleagues of mine concerning both sides of the insurance world, the agents and the consumers. CNN Money offers 8 tips and facts of the insurance world:

  1. You’re a statistic.
  2. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. The balance will come into play when you find an agent that sees you as an individual with needs and questions, and tries to craft a policy around your personal needs. Find an agent you can trust.

  3. Know your home’s value.
  4. Before you choose a policy, it is essential to establish your home’s replacement cost. A local builder can provide the best estimate.

  5. Insurers differ.
  6. As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping, which is why good agencies (like the good folks at Dagley Insurance) will shop your quote with several different companies to find the policy that’s just right for you.

  7. Don’t just look at price.
  8. A low price is no bargain if an insurer takes forever to service your claim. Research the insurer’s record for claims service, as well as its financial stability.

  9. Go beyond the basics.
  10. A basic homeowners policy may not promise to entirely replace your home.

  11. Demand discounts. Insurers provide discounts to reward behavior that reduces risk.
  12. However, Americans waste some $300 million a year because they forget to ask for them!

  13. At claims time, your insurer isn’t necessarily your friend.
  14. Your idea of fair compensation may not match that of your insurer. Your insurer’s job is to restore you financially. Your job is to prove your losses so you get what you need.

  15. Prepare before you have to file a claim.
  16. Keep your policy updated, and reread it before you file a claim so there are no surprises.

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