Brent Cooper

OK, night driving, 15 year old behind the wheel, Christmas traffic.  Recipe for disaster, right?  No problems, except the blood pressure is up a bit and there are finger nail marks in the armrest of the Range Rover.  Oh yeah, he asks if the Range Rover is going to be his to drive to the High School in March.  Yeah, that'll happen.  Thinking about what kind of vehicle is actually in his future.  Most of the boys in this neighborhood are all about 5 year old Chevy Tahoes, and they need to be black, lifted, and full of bass. From an insurance point of view, that is a pretty good choice.  Typically, utility vehicles generate lower premiums, the drivers have good visibility, the vehicles are large enough to be seen by other drivers, and the size of the vehicle will provide some injury protection.  Being made in America, inexpensive parts, and many body shops to choose from, there may be a used Black Beast in a driveway on Hanover next spring.  We'll see.

Seldom a day goes by that someone I meet or run in to, doesn't ask me an insurance question, tells me about a claim that they are currently dealing with, or ask how much is it going to cost them to insure their 16 year old driver.  Recently I was with my boys in College Station, met the sister of one of my friends, and before you know it, she was bending my ear about a car accident that she had. Later that day, I ran in to a fellow Park Cities resident at the Aggie/Longhorn game and he said, "hey I need to talk to you on Monday, my son just got his permit, and I guess I need to add him to my policy.  How much is it going to cost?" I was able to set his mind at ease when a quick explanation that his son was already covered as a member of the household and we wouldn't start charging him until the boy turned 16.   How many people out there know that?                                                                                                

I've started this blog as a forum to provide information and answer questions that many of my neighbors might find interesting and helpful.   I will be discussing topics such as What to do when an accident occurs, When does it make sense to have Liability Only, Youthful Drivers, What certain coverages do or don't do for you, What affects rates, Available discounts to take advantage of, What kind of cars are best for insurance purposes, etc.  I will also provide similar information and answer questions  regarding Homeowners, Life, and Health insurance. I have 22 years experience as an insurance agent so there is not much that I have not been exposed to. Be mindful that my statements and opinions are mine and mine alone and not to be considered representative of the company that I represent. 

So, got a question?  I would love to hear from you.