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 […]
June 2, 2025
jdowdinsHow Carriers Determine Your Auto Insurance Premiums
Auto insurance is an essential type of policy typically required by law. But amid uncertain economic conditions, auto insurance is yet another bill in your budget. Understanding how your rates are determined can help you make informed choices and potentially lower your premiums and stretch your dollars further while maintaining sufficient coverage. Consider the following […]
May 19, 2025
jdowdinsHow Do Insurers Determine Your Car’s Value After a Total Loss?
Dowd Insurance Agency | Serving Central Texas Drivers If your car’s been in a serious wreck, your insurer might declare it a total loss—but what does that really mean? Let’s break it down simply for Central Texas drivers. 🚗 What Is a Total Loss? In Texas, a car is considered a total loss when the […]
March 3, 2025
jdowdinsHow to Handle Auto Insurance Nonrenewals
Facing an auto insurance nonrenewal can be stressful, but you have options. It’s crucial to take action to help maintain continuous coverage. Talk With Your Agent Your insurance agent can help you understand the reasons behind a nonrenewal notice. It could be due to the insurer’s business decisions, your driving record or claims history. Explore […]
February 17, 2025
jdowdinsWhat You Need To Know About Auto Insurance
Auto Insurance Coverages Explained: What You Need to Know If you’re a driver in Central Texas, you know that being on the road comes with risks. Whether you commute daily, take weekend road trips, or just drive around town, having the right auto insurance is essential. But with so many different types of coverage available, […]
February 5, 2025
jdowdinsWhat Is GAP Insurance?
Understanding the Importance of GAP Coverage Auto insurance is a critical investment in your financial security and is also usually required by law. However, while you’re likely aware of the importance of a suitable policy, there may still be more you can learn about various coverage options, such as guaranteed asset protection (GAP) coverage. GAP […]