Because of Houston's vast size and lack of mass transit options, driving a vehicle is a part of life for many Houstonians, whether it's commuting to work, home, school, or retail areas. In Harris County alone, there are nearly 3 million registered vehicles on Houston area roads, but unfortunately, not all of them meet state insurance requirements.

As cooler temperatures begin to return to Houston, many homeowners and business owners begin making preparations for winter, including decorating the inside and outside of their home or business, bringing out winter clothes, and making holiday plans with family and friends.

There are few jobs in the country as demanding and rewarding as being a small business owner. In our volatile economy, many small business owners work day and night to increase revenue, expand their market share, attract new customers and retain quality employees. In the quest to turn a simple business idea into a thriving business reality, many small business owners focus only on customer growth and revenues but fail to make adequate plans for the future.

In any given year, there are a large number of financial decisions individuals and families make on a wide range of topics, including where to bank, how best to save for college, what investments to choose, and what kind of insurance coverage is needed. There are many research tools available to help you select a bank, college savings plans, investments and more, but when it comes to insurance decisions, the choices can be daunting.