January 13, 2026
jdowdinsHow to Lower Your Auto Insurance Premium (Without Sacrificing Coverage)
If your auto insurance premium has been creeping up lately, you’re not alone. Drivers across Central Texas—from Cedar Park and Georgetown to Austin, San Marcos, New Braunfels, and San Antonio—are seeing higher rates thanks to inflation, repair costs, and more traffic on Hill Country roads. The good news? There are smart ways to lower your […]
January 6, 2026
jdowdinsDo Credit Scores Affect Auto Insurance Rates?
If you’ve ever wondered why two drivers with similar cars and clean driving records can pay very different auto insurance premiums, here’s a not-so-obvious factor: credit. Yep—your credit history can play a role in what you pay for car insurance here in Texas. Let’s break it down in plain English so you know what actually […]
December 11, 2025
jdowdinsDecember Is National Impaired Driving Prevention Month: What Drivers Need to Know
If you’ve spent more than five minutes driving through the Hill Country in December, you already know—traffic gets a little wilder than usual. Holiday parties, end-of-year celebrations, family gatherings… it’s a festive season, but it also ramps up the number of impaired drivers on our roads. That’s exactly why December is recognized as National Impaired […]
November 21, 2025
jdowdinsInsurance for Delivery Drivers in Central Texas: What You Need to Know Before Hitting the Road
By Dowd Insurance Agency — proudly serving delivery drivers in Georgetown, Round Rock, Cedar Park, Austin, San Marcos, New Braunfels & San Antonio. Delivery drivers keep Central Texas moving. Whether you’re delivering tacos in Austin, groceries in Cedar Park, pharmacy orders in Round Rock, or packages across San Antonio and New Braunfels, one thing’s constant: […]
November 18, 2025
jdowdinsStay Calm, Stay Covered: Road Rage Tips for Central Texas Drivers
Hey Central Texas drivers — whether you’re navigating I-35 through Round Rock, cruising 281 near New Braunfels, or commuting across Cedar Park to Austin — here’s a friendly but important reminder: your drive doesn’t just affect your destination. It affects your safety and your auto insurance. At Dowd Insurance Agency, we know traffic can test […]
November 6, 2025
jdowdinsShorter Days, Darker Drives: Staying Safe on Central Texas Roads This Fall
Daylight saving time officially ended this past weekend, and if your evening commute suddenly feels a little darker (and longer), you’re not imagining it. With the sun setting earlier, Central Texas drivers are now facing reduced visibility, more glare during rush hour, and an increased risk of evening accidents. Whether you’re heading home from work […]
November 4, 2025
jdowdinsDon’t Snooze and Cruise: Why Sleep Matters for Safe Driving in Central Texas
We all know the dangers of texting and driving—but what about tired driving? Every year, thousands of preventable accidents are caused by drowsy drivers who thought they could power through. That’s why the National Sleep Foundation’s Drowsy Driving Prevention Week (November 2–8, 2025) is here to remind us all of one simple truth: sometimes, the […]
October 21, 2025
jdowdinsCelebrate National Teen Driver Safety Week with Your Teen Behind the Wheel
Hey there, Central Texas parents! Buckle up—this week (October 19-25) is National Teen Driver Safety Week (NTDSW), a great moment to hit “pause” and chat with your teen driver about staying safe on the roads of the Hill Country. At Dowd Insurance Agency, we’re all about helping families protect what matters most—and yes, that includes […]
July 23, 2025
jdowdinsHow Climate Change Is Revving Up Your Auto Insurance Rates in Central Texas
Let’s face it—auto insurance premiums have been feeling a little extra lately. If you’ve noticed your car insurance bill creeping up, you’re not alone. And no, it’s not just because your cousin got a speeding ticket in your car (although… don’t lend your car out too freely). One of the lesser-known but major culprits behind […]
June 18, 2025
jdowdinsDo You Deliver for Work? Here’s What You Need to Know About Auto Insurance
If you’re driving your personal vehicle to make deliveries—whether it’s groceries, takeout, or online orders—you may be cruising around with a dangerous gap in your auto insurance coverage. Most personal auto insurance policies exclude coverage when you’re using your car for commercial purposes. That means if you get into an accident while delivering a pizza […]