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09/15/2016
By: twila08
State Farm Insurance
Dear Ed, I am writing you in regards to an accident I recently had and how my State Farm Agent, Darren Miller helped us. My wife and I went for a ride on our motorcycles on a beautiful Saturday afternoon. About an hour into our ride, a car moving into my lane clipped me. Luckily he just missed my wife, but I went down traveling about 45 mph. I must tell you that I have never been involved in a collision prior to this, and being on a motorcycle made it even more traumatic. I was lucky to have only recieved minor wounds, I had some road rash and my bike was wrecked. The ambulance arrived along with the police and a small crowd had gathered. The whole situation was chaotic. My wife and I had no idea what to do. We were concerned about how this would be handled by the car drivers insurance agent as he was at fault.I was in a bit of shock and didn't know what to do. My wife, being the smart one, contacted our insurance agent, Darren Miller. Darren immediately calmed my wife down telling her as long as I was OK, everything would be allright. And within 20 minutes of being called Darren was at the site of the accident. I cannot begin to describe how his presence that day made everything better. Darren advised us on how the accident would be handled by the other insurance company, Allstate. He arranged for a tow truck to come pick up my motorcycle and he made sure it was properly loaded on the truck to ensure that it didn't recieve any further damage. And he even assisted the other driver getting his car in a drivable condtition. And most importantly, Darren calmed my wife and myself ensuring us we would get through this day OK. Darren then transported me to the motorcycle shop and assisted with the paperwork for repairing my bike. I cannot stress enough my gratitude for having a State Farm agent like Darren Miller that day, and every other day for that matter. It is good to know we have an insurance company and agent we can count on. Sincerely, Doug Hoenig
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11/06/2015
By: Don O.
Empower Insurance Group
Hi, My name is Don Owens and I am the President of Empower. I do not hide behind anonymity on line. At Empower we respond to every "real" complaint with detailed responses so there is no question to our action. We have an A+ rating with the Better Business Bureau for that reason. If you have a concern please visit the BBB.org. We will offer a detailed response. This allows you to have a moderator if you feel necessary, and allows the public to make a decision on all the facts. Even better than that, if you have a concern, call me at 817-306-2366. We insure hundreds of thousands in Texas and we take our reputation and our work seriously.
01/29/2014
By: Jaya G.
Empower Insurance Group
I had Empower Insurance for the past 8 months.Customer Service is hopeless .They intentionally put you on hold for 20-30 min after receiving the call . They have rude talking lady Beila. Her main job is to talk rude , cut calls.The service I received from them is horrible.I had tough time when trying to cancel the policy with them.To cancel the policy they charged $425 and then came down to $380 and then $252 without any reasons.I advice to be more cautious when having an insurance with this company.You are probably doing greatest sin in your life by doing business with them.
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11/06/2015
By: James M.
Empower Insurance Group
I have read the negative reviews and absolutely disagree. I have had the best experience with Empower and would highly recommend them to others. From customer service to claims , they are top notch professionalism and fair. Too many times a company only receives negative reviews and no one is willing to step up and say something positive. Make time to commend a company for the job they do right so others can make an unbiased decision when choosing where to spend their hard earned money. Keep it local and support Texas business.
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12/03/2015
By: Jesse D.
Empower Insurance Group
Our agency in San Antonio has nothing but accolades and praise to sing about Empower Insurance. They are very helpful - prompt to answer any questions we may have whenever issues may arise with a policy. Their customer service etiquette is bar-none the best we have from any of our carriers, and they offer very competitive rates and a plethora of discounts that our customers we and our customers are always thrilled to take advantage of. Keep up the stellar work, Empower!
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01/14/2016
By: Stefanie G.
Empower Insurance Group
As an Agent for Ai United Insurance for Corpus Christi I have to say we love our rep Janie Martinez, she is the best helps us with any questions and is always visiting us and keeping us updated with Empower.I Like the fact that they are good to their agents ,any questions or problems they are real quick to help out with them. One thing I can say is she is always pushing sales for emower and is always promoting them as well .
11/09/2015
By: Jan M.
Empower Insurance Group
Empower helps it's customers find the policy that is best for them. The Customer Service is very helpful with the billing and payment issues that may come up. The Claims Department does their best to help the customer understand the claims process, so that the claim is handled in a timely manor. When I have had to call in for something everyone is so friendly and eager to help,
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11/06/2015
By: Araceli M.
Empower Insurance Group
As a professional in this industry for over 13 years, I would like to say that the leaders, upper management and representation I've experienced of Empower is top of the line. Innovative and way ahead of the game in the products and what they offer to the independent agent compared to other companies of the same caliber. I will continue to support Empower in all ways.
10/19/2010
By: jllackey1
Liberty Insurance
The moment I called "Liberty Bail Bonds" I was extended a very warm and comforting welcome. This was my first time experiencing something of this magnitude and I had no clue as to where to start. The staff was extremely knowledgeable and dedicated to helping me through this very delicate situation. There service was Fast. THANK YOU LIBERTY BAIL BONDS!!!
02/06/2012
By: nonnie22
Allstate Insurance Agent: Sue N. Boenker
I've had my insurance with Sue Boenker for well over 10 years, and would be crushed if I couldn't use her agency. Each and every employee I've ever spoken to has been helpful, gracious and friendly. I've moved twice miles and miles away from what might be considered her sales area, but would never consider changing my insurance coverage to another agent!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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