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    <title>Reliable Insurance Managers, Inc. Blog</title>
    <link>http://www.reliableins.net/blog/</link>
    <description>View the Reliable Insurance Managers, Inc. website blog.</description>
    <language>en-us</language>
    <lastBuildDate>Fri, 30 Jul 2010 20:50:38 -0500</lastBuildDate>
    
	
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	<title>Why is Google the Best Company to Work For?!</title>
	<link>http://www.reliableins.net/blog/Why_is_Google_the_Best_Company_to_Work_For.aspx</link>
	<description>Google has been voted the best place in the world to work not once, but twice. The company offers many benefits to its employees, but the most important thing among them is a high wage according to Indeed.com.Google has been named the best place to work by Fortune magazine twice. Google offers free gourmet meals, bus shuttle service, flexible hours, child care services, free massages, the company allows you to bring pets to work, professional haircuts and much more.  But above all the bells and ...</description>
	<pubDate>Wed, 28 Jul 2010 17:46:37 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=80007af5-89ca-4840-bf41-c78e8126718f</guid>
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	<title>Additional Coverages For Life Insurance</title>
	<link>http://www.reliableins.net/blog/Additional_Coverages_For_Life_Insurance.aspx</link>
	<description>When you go to purchase life insurance you will have a lot of options thrown your way to choose from. One of the things you will need to consider will be the different supplemental benefits that will be an option for you. In many cases, the addition of a rider is shown in an added charge by the company and may necessitate that the insured prove evidence of insurability. So just what are some of the more important riders to take a look at? Among them are:  Waiver of Premium - This option provides...</description>
	<pubDate>Tue, 20 Jul 2010 10:22:29 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=10677ecd-54b6-4b62-bbd9-b9ccc47ad00c</guid>
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	<title>New Parents Should Consider Life Insurance</title>
	<link>http://www.reliableins.net/blog/New_Parents_Should_Consider_Life_Insurance.aspx</link>
	<description>As new parents try to get a few hours sleep with their new arrivals in tow, they may have overlooked the idea of getting life insurance.  If so, make sure to speak with an insurance agent to see what he/she can offer you and your newest family member. Once you welcome a newborn into the family, your thoughts should of course swing to your long-term responsibility for growing your family, even in the event something happens to you. This is a great time to go over your existing life insurance. In ...</description>
	<pubDate>Tue, 20 Jul 2010 10:12:35 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=a7b59071-a73a-4592-938a-fc2c7458807e</guid>
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	<title>The 2 Types of Life Insurance</title>
	<link>http://www.reliableins.net/blog/The_2_Types_of_Life_Insurance.aspx</link>
	<description>                           Term Insurance&amp;nbsp;                                                                                                           This is the simplest and cheapest type of life insurance. It means you are insured for as long as you maintain the policy, for a stated term. Term insurance is well suited for those on a limited budget, giving them peace of mind that their families will be taken care of in case the worst happens.                                                 ...</description>
	<pubDate>Tue, 20 Jul 2010 10:10:00 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=e202a1b2-88ac-4786-94e3-756ee9b4e4ec</guid>
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	<title>Why Do Insurance Companies Check Credit Score?</title>
	<link>http://www.reliableins.net/blog/Why_Do_Insurance_Companies_Check_Credit_Score.aspx</link>
	<description>So, you probably already know that a good credit score can mean lower interest rates on loans. However, did you know that many insurance companies offer discounts for consumers who maintain an above average credit rating? Here&amp;rsquo;s how it works and what you should know: When you get an insurance quote (home, auto, etc.) the insurance company assigns you with an insurance score. Your insurance score takes many things into consideration, one of those being, you guessed it- your credit rating. T...</description>
	<pubDate>Tue, 20 Jul 2010 07:35:52 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=75f0a940-01d2-4097-9e56-562d22555b1f</guid>
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	<title>What is the Difference Between Home &amp; Title Insurance?</title>
	<link>http://www.reliableins.net/blog/What_is_the_Difference_Between_Home_Title_Insurance.aspx</link>
	<description>Homeowners insurance and title insurance are two totally different types of insurance coverage that protect against different risks. Homeowners insurance covers loss or damage to your home; other structures on your property; personal property kept in your home; loss of use; &amp;nbsp;liability; and medical expenses for accidents that occur on your property.   Title insurance, on the other hand, protects your ownership in the real property. Title insurance guarantees that you have true entitlement to...</description>
	<pubDate>Tue, 20 Jul 2010 07:19:17 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=fa5e9150-00ab-4f99-8176-f3f8b3b8f272</guid>
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	<title>Is My Roommate's Stuff Covered Under My Home Insurance?</title>
	<link>http://www.reliableins.net/blog/Is_My_Roommates_Stuff_Covered_Under_My_Home_Insurance.aspx</link>
	<description>Typically the answer to this question is no. The contents portion of your homeowners insurance policy provides coverage for the policyholder&amp;rsquo;s belongings as well as immediate family members who reside in the home (children, spouse). In the event that your home was damaged or lost in a covered peril, your homeowners insurance policy would provide coverage for your belongings, up to the limits for each type of item in your policy. Your roommate might want to consider purchasing a renter&amp;rsqu...</description>
	<pubDate>Tue, 20 Jul 2010 07:16:27 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=d5cd25ea-8457-4364-8599-8c334d52d895</guid>
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	<title>Can Your Insurance Company Make You Replace Your Roof</title>
	<link>http://www.reliableins.net/blog/Can_Your_Insurance_Company_Make_You_Replace_Your_Roof.aspx</link>
	<description>Your insurance company can never force you to replace your roof or any other part of your home. However, if your roof is in poor condition due to a lack of proper maintenance, the insurance company does have the right to non-renew your policy. Every provider is different, though, and you should check the specific details of your policy for more information. If your insurance company is considering to non-renew your policy, it might be in your best interest to have your roof repaired or replaced....</description>
	<pubDate>Tue, 20 Jul 2010 07:11:58 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=8ef88479-f153-4daf-8518-1116002990e5</guid>
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	<title>Protect Your Home During The Winter</title>
	<link>http://www.reliableins.net/blog/Protect_Your_Home_During_The_Winter.aspx</link>
	<description>Frosty winter days call for hot chocolate and warm fires&amp;mdash;not home maintenance.  You can help keep winter weather from infiltrating your home by properly preparing for the cold months ahead. And if Jack Frost does come nipping at your nose, having the right home insurance coverage helps ensure you have the funds to make any repairs quickly and easily. Get the Right Home Insurance Basic home insurance covers four things: the structure of your home, your personal belongings, liability and liv...</description>
	<pubDate>Mon, 19 Jul 2010 18:04:53 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=3d00acb7-f127-4331-abd2-7f1d75cb7fc1</guid>
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	<title>Does Your Insurance Cover Dog Attacks?</title>
	<link>http://www.reliableins.net/blog/Does_Your_Insurance_Cover_Dog_Attacks.aspx</link>
	<description>Americans love their dogs. In many households, canines are considered part of the family, participating in daily and weekend activities, along with other family members. &amp;nbsp; Though dogs can be loving and fun&amp;mdash;and offer never-ending companionship&amp;mdash;they can also be unpredictable: sweet and docile one minute, and aggressive and dangerous the next, depending on the situation.  &amp;nbsp; With risk like that, homeowners who are dog owners should carefully consider the dog/s they choose to be...</description>
	<pubDate>Mon, 19 Jul 2010 18:01:46 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=9edc8078-87e3-42e9-bf7b-4b6d4ba8ace0</guid>
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	<title>Difference Between Cancellation &amp; Non-Renewal?</title>
	<link>http://www.reliableins.net/blog/Difference_Between_Cancellation_Non-Renewal.aspx</link>
	<description>If you think that policy non-renewal and cancellation is the same thing, think again. There's a substantial difference between these two. Generally an insurer hasn't the right to cancel a home insurance policy that is active for more than 60 days except when:      Your premium is not paid in time     You have misrepresented or committed fraud on your policy.  In case of a non-renewal it's either you or the insurer who decides to stop cooperation when the policy expires. In case it is your insura...</description>
	<pubDate>Mon, 19 Jul 2010 17:56:35 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=55d13c83-4d76-422f-a66b-b896dd59d11f</guid>
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	<title>Do I Have To Have Home Insurance?</title>
	<link>http://www.reliableins.net/blog/Do_I_Have_To_Have_Home_Insurance.aspx</link>
	<description>Unlike the situation with car insurance, you aren't legally required to own a home insurance policy to live in your house. But, in case you've used a mortgage to finance the purchase of your house the lender will most likely require you to purchase a home insurance policy. The lenders thus protect their investments from the impact of damage your home may face during natural disasters or other unforeseen events. In case you purchase a home in an area with a high risk of flood or earthquake, the l...</description>
	<pubDate>Mon, 19 Jul 2010 17:55:09 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=5f38c5e2-01da-44be-b35e-4dd305d5034e</guid>
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	<title>5 Rules For Car Pooling</title>
	<link>http://www.reliableins.net/blog/5_Rules_For_Car_Pooling.aspx</link>
	<description>Buff up on current events  Catch the news or listen to AM radio before you leave. Your awareness of what's new will come in handy during that long tunnel ride when the radio cuts out.   Discuss costs upfront  Generosity is king of the carpool lane. Make sure there's no miscommunication regarding gas money, toll money, etc. When carpools are mutually beneficial and driving duties are split down the middle, there's typically no need for money to exchange hands. But it never hurts to ask.   Get to ...</description>
	<pubDate>Mon, 19 Jul 2010 17:45:29 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=29206526-a891-4e41-8c1d-2202502df019</guid>
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	<title>Disaster Preparedness</title>
	<link>http://www.reliableins.net/blog/Disaster_Preparedness.aspx</link>
	<description>Regardless of how much time you have to react to a disaster, you can do things well in advance to prepare. A little advance planning could save your life. To prepare for any kind of disaster, pack a survival kit that includes:      Water in non-breakable containers     A first-aid kit     Any necessary prescription medications     Portable radio and flashlight with fresh batteries     A portable cooking device     Extra clothing     Blankets     A tool kit, including heavy work gloves and nails ...</description>
	<pubDate>Mon, 19 Jul 2010 17:36:00 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=4ae9a565-485f-48e0-9e2a-12dc09cdaa9a</guid>
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	<title>Frequently Asked Questions!</title>
	<link>http://www.reliableins.net/blog/Frequently_Asked_Questions.aspx</link>
	<description> Q) If I let someone borrow my car and they are in an accident, whose (if any) insurance will apply? A) A good rule of thumb: &quot;Liability follows the car.&quot; In most cases, the insurance on the vehicle will apply if the accident is sustained while the vehicle is being driven by someone with permission. In many cases, the liability insurance of the person driving the car will pay if the amount of the loss exhausts your policy's limits.  Q) If my child goes away to college with one of mom or dad's ca...</description>
	<pubDate>Mon, 19 Jul 2010 17:19:39 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=c10a99a8-5ec7-48dd-a7f0-aa050e0c0a72</guid>
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	<title>Tell Your Insurance Company To Take a Hike. You Found Reliable Insurance!</title>
	<link>http://www.reliableins.net/blog/Tell_Your_Insurance_Company_To_Take_a_Hike_You_Found_Reliable_Insurance.aspx</link>
	<description>Are you tired of your rates going up year after year on home and auto? Are they no longer writing in your zip code? Have they increased your deductible? Does it seem like State Farm, Farmers, Allstate, Geico, Progressive, Esurance&amp;nbsp;&amp;amp; Nationwide are always going up on their price. Send them a message that they are not the only game in town. Get a fast, free quote from us at www.reliableins.net or call us at 713-227-7283. We have great rates on auto, home, life, business, motorcycle, flood...</description>
	<pubDate>Mon, 19 Jul 2010 14:30:16 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=9bc426ff-2e6f-456f-b55d-df760ec0eb91</guid>
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	<title>Proving an Accident Happened Without a Police Report</title>
	<link>http://www.reliableins.net/blog/Proving_an_Accident_Happened_Without_a_Police_Report.aspx</link>
	<description>As I was driving down the road recently, a woman making a three-point turn backed into my vehicle. Her car was almost perpendicular, blocking the road except for the right lane. I tried to pass in that lane, and she hit me. The collision damaged my car significantly but caused little damage to her SUV. I took down the woman&amp;rsquo;s license plate, driver&amp;rsquo;s license number, and insurance info, but I did not file a police report. Now the other driver is trying to change her story, saying that ...</description>
	<pubDate>Fri, 16 Jul 2010 13:38:06 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=8c9f1eaa-39b9-4000-ae8f-453c31e5210f</guid>
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	<title>Do Police Know You Have Insurance?</title>
	<link>http://www.reliableins.net/blog/Do_Police_Know_You_Have_Insurance.aspx</link>
	<description>So you get pulled over, and you know you&amp;rsquo;ve let your car insurance lapse. Johnny Law is walking up to your window, just aching to bust you for driving without insurance. But if you don&amp;rsquo;t tell him that you don&amp;rsquo;t have active insurance, he&amp;rsquo;ll never know, right? Wrong. In some states, police officers now have instant access to a national database that is maintained and updated by the Motor Vehicles Department. This database allows officers to run a check on your license plate...</description>
	<pubDate>Fri, 16 Jul 2010 13:35:38 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=b42dfa45-699b-4c8b-8e93-b67338de2a16</guid>
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	<title>Invalid Insurance Cards</title>
	<link>http://www.reliableins.net/blog/Invalid_Insurance_Cards.aspx</link>
	<description>I was in a car accident recently, and I showed the police officer an insurance card for a canceled policy. I knew the policy was defunct, but I didn&amp;rsquo;t want the officer to know I didn&amp;rsquo;t have car insurance. Could I go to jail for this? Answer The answer to this question depends on the laws of your state. With most states that require minimum levels of car insurance, you will typically only face fines for failing to provide proof of valid insurance. In some states, police officers have ...</description>
	<pubDate>Fri, 16 Jul 2010 13:29:16 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=6a6843a1-0c05-46e5-beeb-d88b077a5dfa</guid>
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	<title>What is a Salvage Title?</title>
	<link>http://www.reliableins.net/blog/What_is_a_Salvage_Title.aspx</link>
	<description>My brother found a car that is a really good deal, but it has a salvage title. What does that mean exactly? Should I not buy the car? A salvage title is something that is issued by a state when a vehicle is severely damaged and the costs of repair can exceed the vehicle&amp;rsquo;s value. Usually, this happens when an insurance company has deemed a vehicle covered by a policy a &amp;ldquo;total loss.&amp;rdquo; When these vehicles are salvaged, or repaired, the state issues a salvage title. Even cars that h...</description>
	<pubDate>Fri, 16 Jul 2010 13:26:59 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=48b59234-e0c2-475d-bcc6-5e1282c6d658</guid>
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	<title>Broken Windshield Claims</title>
	<link>http://www.reliableins.net/blog/Broken_Windshield_Claims.aspx</link>
	<description>If I file a claim for a broken windshield under my comprehensive coverage, will my insurance rates go up? Answer Typically, claims against your comprehensive coverage do not affect car insurance rates, but this practice will vary from insurer to insurer. Before you file a claim, you should contact your agent to find out if glass coverage is included in your policy, and, if so, how much your rates will increase if you make a claim. Some insurers offer glass coverage with a $0 deductible, but you ...</description>
	<pubDate>Fri, 16 Jul 2010 13:24:40 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=40655489-ed97-43c6-848c-0df0af36705f</guid>
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	<title>What to Consider When Choosing a Deductible?</title>
	<link>http://www.reliableins.net/blog/What_to_Consider_When_Choosing_a_Deductible.aspx</link>
	<description>What should I consider when choosing my deductible? If you carry collision or comprehensive coverage on your auto insurance, you will have to choose your deductibles when you set up your policy. Most insurers provide policyholders with four or five different deductible options from which to choose. The deductible you select is the amount you agree to pay without your insurer&amp;rsquo;s assistance in the event of a covered loss. Although you are free to choose any deductible you wish, some deductibl...</description>
	<pubDate>Fri, 16 Jul 2010 13:23:15 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=e74ff75c-0d15-4d7c-8bdf-9a47accaf533</guid>
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	<title>What to Do When You Get Pulled Over</title>
	<link>http://www.reliableins.net/blog/What_to_Do_When_You_Get_Pulled_Over.aspx</link>
	<description>What to do when you&amp;rsquo;re being pulled over  1. Pull to the side of the road safely  Use your turn signals and slow down. Move as far to the right-hand side of the road as possible so the officer won&amp;rsquo;t have to worry about being clipped by passing vehicles. Then:       Turn on your emergency flashers      Turn off your radio      Open the driver&amp;rsquo;s side window      Keep your hands in plain sight by placing them on the steering wheel      Ask any passengers to remain quiet      Turn ...</description>
	<pubDate>Thu, 15 Jul 2010 21:59:17 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=6efd24e4-3cdc-4148-87fd-6ecc6995683c</guid>
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	<title>Auto Insurance Without a Driver's License</title>
	<link>http://www.reliableins.net/blog/Auto_Insurance_Without_a_Drivers_License.aspx</link>
	<description>Drivers without a license may still be able to obtain an auto insurance policy through a carrier which accepts certain exceptions such as out of state or international licenses, permits or foreign license such as the common &quot;Matricula&quot; issued by Mexico. Other situations may include a suspended or restricted state license where an insurer may issue a policy pending licensing through an SR22 or other.  Each carrier has their own set of guidelines which they follow and although some companies will ...</description>
	<pubDate>Thu, 15 Jul 2010 21:53:56 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=8a3ca974-4dc2-4269-8bc1-5d6b2be96dca</guid>
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	<title>Good Motorcycle Maintenance</title>
	<link>http://www.reliableins.net/blog/Good_Motorcycle_Maintenance.aspx</link>
	<description>Here are a few good tips!      The tires: Some tires lose air very slowly and a soft tire, although it might not be obvious, is a major safety issue. On a motorcycle, you have half the number of tires you do on a car making proper inflation twice as important.      The fluid: It's always good to check the various fluids, including the engine oil, transmission oil, and brake fluid, etc. after an idle spell. They're easier to check after the bike's been sitting for a while and the fluids have sett...</description>
	<pubDate>Thu, 15 Jul 2010 21:30:42 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=6a6aa532-8299-4a7e-9a8c-b4c94ea4320d</guid>
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	<title>10 iPhone apps for drivers</title>
	<link>http://www.reliableins.net/blog/10_iPhone_apps_for_drivers.aspx</link>
	<description>Enjoy the list!  The Map Apps   Google Maps. Let's respect our app elders and get this one out of the way. More than 3 years since its iPhone debut, the Google Maps app remains the most popular way to map a route and check out local businesses. It doesn't hurt that it comes standard with every new iPhone.   Skobbler. This free app features voice-assisted turn-by-turn navigation. Typically, apps with street-level functionality are on the pricier side, but Skobbler uses something called OpenStreet...</description>
	<pubDate>Thu, 15 Jul 2010 21:23:35 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=ceb9657c-4869-481d-8812-e79004f74ca1</guid>
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	<title>Houston Auto Insurance</title>
	<link>http://www.reliableins.net/blog/Houston_Auto_Insurance.aspx</link>
	<description>&lt;img src='http://www.reliableins.net/img/%7Ewww.reliableins.net/houston-downtown-night.png' align='left' /&gt;Houston is the fourth-largest city by population in the United States and the largest city in the state of Texas. As of the 2008 U.S. Census estimate, the city had a population of 2.3 million within an area of 600 square miles (1,600 km2).&amp;nbsp; Houston is the seat of Harris County and the economic center of the Houston&amp;ndash;Sugar Land&amp;ndash;Baytown metropolitan area&amp;mdash;the sixth-largest metropolitan area in the U.S. with a population of 5.9 million.  Houston was founded on August 30, 1836, ...</description>
	<pubDate>Thu, 08 Jul 2010 12:31:59 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=68c96a19-5dbd-4ca7-8f22-2c18e6601f27</guid>
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	<title>Happy 4th of July!</title>
	<link>http://www.reliableins.net/blog/Happy_4th_of_July.aspx</link>
	<description>4th of July is about BBQ, fireworks and family. We here at Reliable Insurance wish everyone a safe and fun holiday. Just remember, if you are going to use fireworks many cities have rules about where you can set off fireworks. Many cities will have a fireworks display. Police will be out in full force. So, don't drink and drive.   If anyone you know could fin this article useful you can email or post this on many sites. Above is a tool to help guide you through the process.</description>
	<pubDate>Fri, 02 Jul 2010 10:14:48 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=dae5d7dd-fb0b-4c31-af94-b13f90a8c5fc</guid>
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	<title>Congradulations to the USA Mens World Cup Soccer Team!</title>
	<link>http://www.reliableins.net/blog/Congradulations_to_the_USA_Mens_World_Cup_Soccer_Team.aspx</link>
	<description>It was a well played game by the boys in red, white and blue. In my personal opinion I think a lot of fouls against us were not called, a lot of fouls against other teams were called and&amp;nbsp;legitimate goals were taken away. I think America showed great respect even after poor calls. They didn't flop on weak tackles (which is more than I can say for most countries). I truly believe the world or FIFA wants to see the USA advance in the World Cup.&amp;nbsp;  With that said, We now have 4 years to reg...</description>
	<pubDate>Mon, 28 Jun 2010 10:57:19 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=5bac4902-b2be-4d2e-ba1b-5e87bd45c269</guid>
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	<title>BP Oil Spill Cost</title>
	<link>http://www.reliableins.net/blog/BP_Oil_Spill_Cost.aspx</link>
	<description>BP's recent oil spill disaster could prove more costly than even a large oil company can handle. Everyday that passes the amounts are ballooning. Clean up, fixing the pipe, fines, lawsuits and insurance cost are mounting.   Federal regulation says they can be fined $1,000 per barrel if found not negligent and $4,300 per barrel if negligent behavior. With an estimated 20,000 to 120,000 barrel per day,&amp;nbsp;they are now on day 42 with no end in site. That is an estimated range of fines from $840 m...</description>
	<pubDate>Tue, 01 Jun 2010 13:10:53 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=00ac639c-04e8-457e-863a-64a0f8b1289c</guid>
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	<title>Insuring Your Teen Driver </title>
	<link>http://www.reliableins.net/blog/Insuring_Your_Teen_Driver.aspx</link>
	<description>&lt;img src='http://www.reliableins.net/img/%7Ewww.reliableins.net/teen_driver.jpg' align='left' /&gt;Parents face a confusing mix of emotions at every stage of their child&amp;rsquo;s development, but none is as powerful as the concoction of fear, pride, excitement and dread they face as their child turns 16. For your child, 16 is a miraculous age that allows them an important insight into what real freedom is as they get their license and start driving. For you, 16 is a magical age because you get to watch as your child starts to evolve into an adult and all the hard work you put into raising them...</description>
	<pubDate>Thu, 27 May 2010 11:00:04 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=9e93b0a2-5a7b-4f49-b43d-22638de14fda</guid>
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	<title>Cut Government Spending!</title>
	<link>http://www.reliableins.net/blog/Cut_Government_Spending.aspx</link>
	<description>I don't mind the government spending money. I just want them to do it wisely. This may not solve all the problems but it would help.      All politicians should work for free. That would save a ton. If you love this country so much you should want to do it for free. &amp;nbsp;Most politicians are already rich anyways.      All bills should not be passed one by one. Many bills are passed by packaging bills. The theory is it makes Washington more efficient. Really what it does is create arm twisting, ...</description>
	<pubDate>Thu, 20 May 2010 18:31:01 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=844ed670-609d-4d72-a5f7-37458b49d765</guid>
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	<title>How to Save Money!</title>
	<link>http://www.reliableins.net/blog/How_to_Save_Money.aspx</link>
	<description>There are many things you can do to save money. We don't have all the answers but here are a couple.       Don't use credit cards if you don't have to. Use cash or debit cards.      Anything extra you can pay on any loans you have will help greatly. The sooner you pay it off, the less interest you pay.     Refinance any loans you have.     Do the work yourself. Mow your own lawn, cook your own meals, do your own home and auto repairs, clean your own house. If you don't know how, look it up on th...</description>
	<pubDate>Thu, 20 May 2010 18:17:22 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=273d7e01-aa66-4f92-b3bd-a95507562afa</guid>
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	<title>Katy Insurance Blog Round Up</title>
	<link>http://www.reliableins.net/blog/Katy_Insurance_Blog_Round_Up.aspx</link>
	<description>Here is the monthly Katy Insurance blog round up for all things related to Katy Texas and Insurance .       On the heels of allegations last week by former employees of the Texas Department of Insurance&amp;rsquo;s Division of Workers&amp;rsquo; Compensation that their higher-ups have failed to sanction or remove dozens of doctors accused of over-treatment and over-billing, Texas lawmakers are pledging to investigate the consequences for patient care and the state&amp;rsquo;s finances.     Texas ranked four...</description>
	<pubDate>Tue, 18 May 2010 17:05:57 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=d322ebec-d77a-4751-8c15-c45b695cc658</guid>
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	<title>Why you need life insurance?</title>
	<link>http://www.reliableins.net/blog/Why_you_need_life_insurance.aspx</link>
	<description>Most people don't think about life insurance until they are older. What they don't think about is the older you get the most expensive the policy becomes. It is best to start a whole life policy right when you turn 18.   You need life insurance to pay for your funeral cost, pay any debts you may have and leave some money behind to help your family get back on their feet after we pass. This way they are not left with the burden of paying all these expenses on there on dime.   So, how much coverag...</description>
	<pubDate>Fri, 14 May 2010 11:29:25 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=7a915090-f70d-4dae-a066-e62382379db2</guid>
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	<title>Get More Twitter Followers!</title>
	<link>http://www.reliableins.net/blog/Get_More_Twitter_Followers.aspx</link>
	<description>So I have been using&amp;nbsp;Twitter to get more traffic to my website. It has been working slowly but steady. I have learned some things the hard way. I want to catch you up to speed so you don't have to have that learning curve. Don't just add everyone you can. This will get you a bunch of spammers and&amp;nbsp;people who don't interact with you. You can add up to 2000 people initially, but after that you must have at least 80% of the number of followers as you are following. Then you can only add 10...</description>
	<pubDate>Thu, 29 Apr 2010 10:33:22 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=7d765a03-087c-476b-8079-e86aa0fe00c5</guid>
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	<title>Customer Appreciation Day!</title>
	<link>http://www.reliableins.net/blog/Customer_Appreciation_Day.aspx</link>
	<description>Come get a free framed photo of you with the Gainsco formula one racing car. Bring the whole family. We will have drinks, games and prizes. It will be on June 9, 2010 from 9AM-6PM. We are located at 20025 Katy Freeway, Katy, TX 77450, at the intersection of Fry Rd and I-10. Come and have a great time. Look forward to seeing you there.  </description>
	<pubDate>Thu, 22 Apr 2010 17:29:32 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=8f9354b4-9505-4530-98ed-a3a15b65405e</guid>
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	<title>Factors affecting Auto Insurance Rates</title>
	<link>http://www.reliableins.net/blog/Factors_affecting_Auto_Insurance_Rates.aspx</link>
	<description>Ever wondered why are your friend&amp;rsquo;s auto insurance rates are cheaper than your own? Factors like location, car model, and driver's age can all affect your insurance rates. Read the full article to learn more.</description>
	<pubDate>Wed, 14 Apr 2010 15:35:23 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=721ab4f7-650d-42c5-b3a4-cd2db7c8a50e</guid>
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	<title>Business Safety Tips</title>
	<link>http://www.reliableins.net/blog/Business_Safety_Tips.aspx</link>
	<description>The best safety measure is have your employees well trained in the procedures in case of a fire, earthquake, hurricane or terrorist attack. Fire drills should be performed at least once every 3 months, you should have planned escape routes and peole in charge of notifying the fire department. It is also nice if you have a monitored fire alarm. You should also have drills of where to go and what to do in casr of an earthquake and terrorist attack.  To prevent burglary, you should have these steps...</description>
	<pubDate>Wed, 14 Apr 2010 10:05:21 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=a448e866-8fb3-49f4-9cf4-ebc98efcde43</guid>
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	<title>What is &quot;No-Fault&quot; Insurance?</title>
	<link>http://www.reliableins.net/blog/What_is_No-Fault_Insurance.aspx</link>
	<description>The No-Fault concept is intended to lower the cost of auto insurance by reducing the number of lawsuits filed on auto accidents. This is done on the premise that each insurance company will compensate their own policyholder for the cost of minor injuries regardless whether they were at fault in the accident. Most states that mandate no-fault coverage, known as Personal Injury Protection (PIP), have placed restrictions on when a lawsuit can be filed by parties injured in auto accidents. Typically...</description>
	<pubDate>Mon, 12 Apr 2010 12:20:22 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=6d6e436e-fd26-4c1b-a7e4-c2fe6ff7bc79</guid>
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	<title>Insurance Trivia</title>
	<link>http://www.reliableins.net/blog/Insurance_Trivia.aspx</link>
	<description>Here are some insurance trivia facts you may not have known!  Who was the first insurance company ever? In London in 1688, Lloyds of London organized the first protection for sailor's cargo against pirates, shipwreck, etc. While their main focus is still on maritime coverage for oil tankers and shipping cargo, it has expanded to auto, home, life, etc.   Where was the first auto policy sold in America?  The first auto policy was sold in Dayton, OH in 1897.   How much in claims was paid in Hurrica...</description>
	<pubDate>Wed, 24 Mar 2010 10:18:29 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=0bfa42bd-4624-4f69-9729-44af9ef5d623</guid>
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	<title>Network links</title>
	<link>http://www.reliableins.net/blog/Network_links.aspx</link>
	<description>There are many ways for you to connect with me. So join me on one or all of them!  Facebook Twitter Linked In Yahoo! Live Space Live Journal Typepad Blogger Yelp Youtube Wordpress MySpace Flickr  </description>
	<pubDate>Fri, 19 Mar 2010 17:07:34 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=51dcd3b2-f3e5-4d64-8008-289c82556184</guid>
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	<title>What is EFT?</title>
	<link>http://www.reliableins.net/blog/What_is_EFT.aspx</link>
	<description>EFT stands for electronic funds transfer. This is when you allow a merchant to withdraw a specific amount on on certain date from your bank account. This can be very convenient. For one, many companies will give a discount for allowing them to do this. Two, you don't have to worry if your payment is going to be late or if you forgot to send a payment. This is a growing trend that almost all companies provide.   If you would like us to explain in more detail or if you would like us to set up your...</description>
	<pubDate>Mon, 04 Jan 2010 10:18:59 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=0b67e6dc-b7cd-42e3-ba5a-dd1d701a9455</guid>
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	<title>Reliable Insurance website</title>
	<link>http://www.reliableins.net/blog/Reliable_Insurance_website.aspx</link>
	<description>As we enter December, Reliable Insurance would like to wish you all a happy holidays! We all enjoy spending time with family and getting together for great homemade food. Don't forget about all the bowl games coming up on January first. GO LONGHORNS!  We would also like o take this time to make you aware of all the capabilities of our website. Did you know you can quote auto, home, commercial, life, flood, motorcycle and much more. Just click on the word for the type of quote you would like to g...</description>
	<pubDate>Tue, 01 Dec 2009 11:40:06 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=1d1f427b-b863-4333-86e5-8d8cad4ae572</guid>
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	<title>Force Placed Insurance by Your Mortgage Company</title>
	<link>http://www.reliableins.net/blog/Force_Placed_Insurance_by_Your_Mortgage_Company.aspx</link>
	<description>Many people don't realize that their mortgage company has placed coverage for them. Whether you are escrowed or not, you have the option of choosing who you want for your insurance company. However, if you don't provide your own insurance the mortgage company will place their's for you. The mortgage company's policy only covers the house not your personal property. It also is usually twice as expensive as you could get it yourself. It usually doesn't cover the amount you need in case the house i...</description>
	<pubDate>Mon, 02 Nov 2009 11:38:48 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=b9885607-30fc-42c5-b82c-fc5427cd85ba</guid>
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	<title>Insurance Agents vs Internet Companies</title>
	<link>http://www.reliableins.net/blog/Insurance_Agents_vs_Internet_Companies.aspx</link>
	<description>Both have their good&#160; and bad points. Isn't there some middle ground? So lets talk about both sides.  Internet companies are available 24/7 for quotes, claims,&#160;make payments&#160;and to make changes. However, they usually have so many customers and employees you never talk to the same person twice. Then you just become a number.  On the other hand, agents you get do get to develop that personal relationship. But, most agents don't have the 24/7 ability like the big companies.  What if there was someo...</description>
	<pubDate>Thu, 01 Oct 2009 11:50:50 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=b2339d0a-8ba1-4992-8f3f-05781acee77e</guid>
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	<title>Reliable Insurance Supports Katy Tigers Football </title>
	<link>http://www.reliableins.net/blog/Reliable_Insurance_Supports_Katy_Tigers_Football.aspx</link>
	<description>Congradulations to the Tigers on a 35-17 victory over the west coast powerhouse Bellvue. I would just like to say &quot;Welcome to Texas football&quot;. Next week Katy plays another tough opponent against FM Marcus. The game will be held in Waco ISD Stadium on 9/19/09 at 1 pm. It looks to be a showdown between two tough teams. It's always fun to watch a Dallas area team play a Houston area team for bragging rights. Go Katy Tigers!  </description>
	<pubDate>Tue, 15 Sep 2009 09:09:30 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=f1cd40ca-c93a-4e0b-be4b-185f36cc0035</guid>
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	<title>Big Insurance Company vs Little Insurance Company</title>
	<link>http://www.reliableins.net/blog/Big_Insurance_Company_vs_Little_Insurance_Company.aspx</link>
	<description>Would you rather be treated like a number at a fast food restaurant or like a family member? It's a simple question and answer. Whenever you talk to big companies you may never get to talk to the same person twice. You never get to develope that relationship. When you make these connections with them you are more likely to get exceptions or longer grace periods on payments, etc. Big companies also have big expenses. They pour money into tv, radio, internet, yellowpages, stadium sponsorship, etc....</description>
	<pubDate>Wed, 02 Sep 2009 09:52:30 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=6dc5db72-fed3-40f3-be33-7a8fef4d9c38</guid>
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	<title>How much coverage do you really need?</title>
	<link>http://www.reliableins.net/blog/How_much_coverage_do_you_really_need.aspx</link>
	<description>A lot of insurance companies will over and under value home, or not provide you with the best type of policy for your needs (eg&amp;nbsp; A, A+, B). This could be a recipe for disaster. At the least, you pay too much for insurance; at the worst case scenario, your claim isn't covered. Do they have replacement cost coverage or burst of water pipes? So many questions and you don't know who to rely on. Call us and we can give you a fair essesment of your circumstances at 713-227-7283.On auto, companies...</description>
	<pubDate>Mon, 03 Aug 2009 09:42:45 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=681c68c9-b56c-4d86-97f9-9319e2904196</guid>
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	<title>4th of July</title>
	<link>http://www.reliableins.net/blog/4th_of_July.aspx</link>
	<description>The 4th of July is coming up soon. That means fireworks, barbeque and beer. Please remember to drink responsibly before driving. Police&amp;nbsp;will ramp up efforts to catch drunk drivers. If you get caught a DWI will cost your auto insurance rates to sky rocket. Please have a designated driver or stop drinking with plenty of time to be below the Texas legal limit of .08. Have a great 4th of July!Call us today for a home, auto or commercial insurance quote at 713-CAR-SAVE (227-7283)</description>
	<pubDate>Wed, 01 Jul 2009 13:02:19 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=d1b11b9b-0323-4fb5-9388-495449521b85</guid>
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	<title>What to do after a claim</title>
	<link>http://www.reliableins.net/blog/What_to_do_after_a_claim.aspx</link>
	<description> Many people have never had a claim and don't know what to do. Here is some helpful advise.If it is a car accident:  Stop and make sure you and the other party is not hurt.  Always call the police to take a report and get the at fault parties insurance information.  Take pictures.  Then call the insurance company of the at fault party.  You have the choice of taking your car to your mechanic or you can go to the insurance companies designated mechanic, you also need to get a rental car for the t...</description>
	<pubDate>Mon, 01 Jun 2009 10:42:51 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=b9ebf475-385b-4f35-bf12-858f98950372</guid>
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	<title>Hurricane Season</title>
	<link>http://www.reliableins.net/blog/Hurricane_Season.aspx</link>
	<description>Hurricane season is approaching! After Rita and Ike we can't take any chance. Your home insurance does NOT cover flood. No home insurance in the country covers flood coverage. Just cause we are not in hurricane season doesn't mean you can't flood. If a heavy&amp;nbsp;April rain, like we just had, hits your area you could be at risk.&amp;nbsp;Also, if you are not in a&amp;nbsp;high risk flood zone doesn't mean you can't flood.&amp;nbsp;&amp;nbsp;The easiest way to describe the difference in what home and flood cover...</description>
	<pubDate>Fri, 01 May 2009 10:32:48 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=04b0997b-2efa-4208-a0af-20b60d9afa1a</guid>
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	<title>Home Insurance Safety Tips</title>
	<link>http://www.reliableins.net/blog/Home_Insurance_Safety_Tips.aspx</link>
	<description>The biggest cause of house fires is the stove. Always remember to turn your stove off and never leave rags next to the burner. You should also have your smoke detectors and carbon monoxide detectors&amp;nbsp;checked every 6 months. Education is the biggest prevention. Teach your kids the dangers and how to use stoves and furnaces. Turning of the the gas and water&amp;nbsp;if you are going to leave the house for more than 3 days is ideal. Having a neighbor check periodically on the house is preferred. In...</description>
	<pubDate>Wed, 01 Apr 2009 16:57:45 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=2b714717-1bbc-4b21-b6c5-78c77e5dd768</guid>
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	<title>Getting the word out!</title>
	<link>http://www.reliableins.net/blog/Getting_the_word_out.aspx</link>
	<description>We are trying to make our website available for you to find anywhere. We are on ever search engine possible: Google, Yahoo, MSN, AOL, Ask and much more. No matter where you search you can find us. We are also on many directories such as yellow pages, super pages, anywho and much more. But we have also added website about us on Myspace, Facebook, Tweeter, Flickr, Youtube and much more. You can also find us on blogger, technorati, ehow and just about any source you try looking.Can't find us on a i...</description>
	<pubDate>Mon, 02 Mar 2009 13:00:23 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=5943328e-b3f6-4137-b652-e8c322b80868</guid>
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	<title>Auto Insurance Safety Tips</title>
	<link>http://www.reliableins.net/blog/Auto_Insurance_Safety_Tips.aspx</link>
	<description>More people are injured in their car than anywhere else. We want to make you as safe as possible. Here ae some tips.  When roads are wet slow down or pull over Keep you windows clean. This will improve visibility. If you can't see pull over. If a tornado or hurricane is headed your way, find somewhere to park under like an overpass. This will be the safest place. Don't drive drunk! Drunk driving kills over 164,000 people a year. You can call a cab, have a designated driver or stop drinking long ...</description>
	<pubDate>Wed, 04 Feb 2009 15:41:06 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=a5dfec8d-646a-44ca-8d86-c7a997f528c6</guid>
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	<title>It's a New Year</title>
	<link>http://www.reliableins.net/blog/Its_a_New_Year.aspx</link>
	<description>2008 was a rough year. Hopefully 2009 will be a better year. The insurance industry was no different than any other industry that struggled to make it. It is a trying time for all of us, both business and personally. Fortunately, we are backed by great companies and customers.&amp;nbsp;We appreciate your business and look forward to a&amp;nbsp;prosperous year. &amp;nbsp;&amp;nbsp;</description>
	<pubDate>Tue, 13 Jan 2009 08:47:06 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=eb25debf-bf01-4157-b0dd-73ecbce19473</guid>
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	<title>Our Commercial</title>
	<link>http://www.reliableins.net/blog/Our_Commercial.aspx</link>
	<description></description>
	<pubDate>Fri, 19 Dec 2008 15:28:47 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=689088d6-4615-4c4c-a261-c68b5f026bd0</guid>
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	<title>Happy Holidays &amp; New Year</title>
	<link>http://www.reliableins.net/blog/Happy_Holidays_New_Year.aspx</link>
	<description>All of us here at Reliable Insurance Managers, Inc&amp;nbsp;would like to wish you and your family a happy holidays.&amp;nbsp; Thank you for making this a great year.&amp;nbsp; We couldn't have done it without you.We all get a little excited around this time of year.&amp;nbsp; Please remember to drink responsibly, buckle up and keep the speed under control.&amp;nbsp; Police will be out in force in record numbers.&amp;nbsp; They don't care if it's the holidays.&amp;nbsp; Our New Year's resolution is to find you the best cov...</description>
	<pubDate>Wed, 10 Dec 2008 15:14:47 -0600</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=26835775-9457-4d11-8bb5-651c930789c0</guid>
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	<title>How to keep rates low!</title>
	<link>http://www.reliableins.net/blog/How_to_keep_rates_low.aspx</link>
	<description>Everyone wants low rates.&amp;nbsp; But how!&amp;nbsp; There are a few simple steps.&amp;nbsp; The first is to&amp;nbsp;not file unneccesary claims.&amp;nbsp; Get a professional doctor, mechanic or home contractor to estimate the cost of repairs or injuries.&amp;nbsp; Then compare that to your deductible.&amp;nbsp; If it is only a few dollars more than the deductible it may not be woth&amp;nbsp;filing the claim.&amp;nbsp; Remember, whether you&amp;nbsp;get paid for the claim or not it still counts against you, because now the company ...</description>
	<pubDate>Wed, 29 Oct 2008 15:33:08 -0500</pubDate>
	<guid>http://www.reliableins.net/blog.aspx?entry=7af60d16-c86f-4365-91f0-8c8bb7a05eba</guid>
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