Paschall Insurance Group is excited to announce the addition of Taren McLain to our growing team!
Taren has been in the insurance industry for almost 5 years. Taren recently moved from the captive side to the independent side of the insurance marketplace. Affording her clients with multiple options to better suit their individual insurance needs, is the main reason Taren made the "leap" to the independent market. Originally from Haslet, Taren relocated to Parker County in 2007. Taren and her husband John, have been married for 9 years and have 2 children (or 5 if you include the dogs). Taren enjoys watching football, playing games, baking, being crafty, entertaining and most importantly, making memories with her family.
Please stop by and give Taren a warm welcome if you get the opportunity... She is excited to meet her new "insurance family"!
Looking for New Year’s resolutions with more staying power than most? This year, how about resolving to be privacy-aware?
The Internet and social media in particular have made it easy to share more of our personal lives with our friends. But, it’s also become easier to share with people we don’t even know.
Online privacy isn’t just about protecting your personal information — name, address and birthdate — to help prevent identity theft. It’s also about protecting you and your family from public embarrassment, from private conversations going public, and from stalking and bullying.
If you’re unsure whether you and your family are exposed or protected online, take a look at these four social media resolutions and adopt the ones that make sense for you. And, make this year more secure than last.
I will review the privacy and security settings on my social media accounts. Take an hour or so to evaluate and update the privacy settings on all the social sites you use. Facebook will probably require the most attention, because there are so many ways to share personal information (maybe more than you’re aware of) and so many options for limiting access to your info. You can control who sees your posts, who posts to your timeline, who contacts you, who looks you up and whether search engines can link to your timeline. Review the privacy settings on your other social media accounts, too, from LinkedIn down to Twitter, Snapchat and Pinterest. If you only use a site to connect with a small circle of friends, then you can probably select the most restrictive privacy settings for the greatest protection. For help, try these social media privacy setting tips from the Center for Identity at the University of Texas at Austin.
I resolve to think twice about what I share online. Sharing information about yourself is the whole point of social media. But, once you’ve shared online, it’s very hard to un-share. Certain information may always be available to someone who knows where to look. And, even if your accounts are private, someone in your network may share what you’ve posted with their own network. You can truly never know how far your posts may travel, so think twice before posting:
Your full birthdate. Share the month and day, if you like, but leave out the year you were born.
Photos with geotag information that may allow strangers to identify where they were taken and thus where you live or where your kids go to school. Check your smartphone camera settings to turn off geotagging – ask Google for instructions, if needed.
The address or other identifying factors of your home, office or child’s school. Even a photo showing the license plate number of your new car could reveal too much.
Photos of other children unless you have their parents’ permission.
Your travel plans. Posting about your trip before you leave or while you’re gone lets others know your home is unoccupied.
Anything you wouldn’t want someone outside your network to read, such as a rant about your job or sensitive information about your work. Such posts have led to people getting fired.
I will not allow strangers or untrustworthy people into my social networks. You may be flattered by a pretty stranger’s interest, or blinded by your pursuit to reach 1,000 friends. But, it’s simply not safe until you know who they are and why they want to get closer to you. In a similar category are the casual acquaintances you just made at all those holiday parties. Let the relationships ripen before you give them access to your personal information. And, be careful about your real-life friends who connect with anyone and everyone via social media; your secrets may be available to strangers through them.
I resolve to monitor my youngest children’s social media use and to make the risks clear to my older children. Children of all ages can be naïve – or just careless – about the impacts of online sharing. It’s hard for them to grasp that something they share online today could impact their college or job opportunities long after the post was made. Plus, they could be putting their personal safety at risk by sharing too much with the wrong person. Even once you allow them freer access online, it’s wise to monitor them until you feel confident in their decision making. Discuss frankly the risks that come from sharing too much, and the practices that reduce those risks. By staying involved, you can have an impact on how your teens use social media even when you’re not looking over their shoulder.
The Internet is a big place, and, while our own social networks may feel familiar and secure, they sometimes aren’t. So, connect and post with care, and adjust your privacy settings before sending that next Tweet.
5 Reasons Why Your Auto Insurance Rates May Seem High
I hear it from drivers from all walks of life: “I’m paying too much for car insurance.” Seems we all know someone who’s paying way less, and we want to cut our own rates, too.
As independent insurance agents, we can check with multiple carriers on your behalf to find out if you may indeed be paying more than you need to. If so, we can switch you to another carrier, even in the middle of a policy term.
However, due to certain circumstances, it’s not always possible to pay less for car insurance. Here are five of them:
You drive a high-performance or specialty vehicle. You have absolutely no interest in driving a standard sedan – boring! You want something sleek, with performance and speed, and it won’t just cost you at the dealership. It will cost you in terms of auto insurance, too. You can expect your car insurance rates to reflect the increased repair costs of a high-performance vehicle, or the rarity of a limited-production vehicle. There are ways to help bring down your insurance costs, however. One may be storing your vehicle in a secure garage when it’s not in use.
You chose a low deductible. A low deductible seems like an attractive choice. That way, if you get into a car accident, you’re only responsible for a small amount of the repair costs. However, this can cost you more upfront. Generally speaking, deductibles and premiums have an inverse relationship. You’ll likely pay more in premium the lower your deductible is. So, you may want to choose a deductible you’ll be comfortable paying in the event of an accident rather than the lowest deductible possible.
You are younger than 25. Sorry to be a buzzkill but that youthful optimism you feel about blazing your own trail through life doesn’t quite extend to your auto insurance premium. Drivers between the ages of 18-25 oftentimes pay more for car insurance. Why? You’ve yet to establish your own insurance history, and you don’t yet have a very robust driving record either. But, don’t fret. Stay insured, maintain a clean driving history and avoid claims, and you may see your premium start to drop over time.
You have one or more violations on your driving record. Traffic was flowing so freely you didn’t even realize you were driving 11 miles over the speed limit. Then you saw the flashing lights in your rearview mirror. Busted. Unfortunately, you won’t just be on the hook to pay your speeding ticket. You may be on the hook to pay higher insurance premiums for a set number of years following the ticket, as well. Because drivers who collect citations like they’re going out of style can be seen as reckless and more likely to file claims.
You require an SR-22. If those violations keep adding up or you have a more serious infraction, a judge may order you to carry an SR-22. It’s a certificate verifying your have insurance coverage that your carrier files with the court. You’ll likely incur a cost to have the SR-22 filed on your behalf, and your car insurance premium may increase as a result of all those violations. You’ll simply have to wait it out, typically for three years, until you’re able to remove the SR-22 from your policy.
If you find yourself in one of these situations, it’s true: You may be paying more for your car insurance than your friends and neighbors pay for theirs. If you’re unhappy with your auto insurance rates, reach out to an independent agent. We have a plethora of resources to help you research other carriers or possibly even discover ways to save with your current one.
From our offices in Weatherford, Texas, we serve clients anywhere in the State of Texas, though the following areas are geographically closest to us: the counties of Dallas, Tarrant, Denton, Wise, Johnson, Parker and Hood and the cities of Arlington, Bedford, Brock, Burleson, Cleburne, Colleyville, Coppell, Dallas, Decatur, Euless, Fort Worth, Frisco, Granbury, Grapevine, Hurst, Keller, Mansfield, Millsap, Mineral Wells, North Richland Hills, Southlake, Watauga, Weatherford, and White Settlement.