Home Insurance: Do's And Dont's

by Administrator 25. September 2017 11:27

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Types Of Auto Insurance Coverage

by Administrator 21. September 2017 15:37

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Simple Car Maintenance Tips To Lower Your Insurance Premium

by Administrator 14. September 2017 10:02

Regularly maintaining you car well translates to fewer accidents on the road and this consequently affects your insurance premium. Fewer insurance claims may bring down your insurance premium or maybe an annual discount from your insurance provider. Therefore, make an effort to have a clean driving record and ensure that your car is in optimum working condition always.

Some simple car maintenance tips that can lower your insurance premium are:

  • Tires: Switch or rotate your tires often so as to guarantee even wear and tear. The time between two rotations entirely depends on your car model, tire type and usage. Regular rotation will not only prolong the life of your tires but also enhance your vehicle’s performance. Winter tires are a must for those residing in areas that receive heavy snowfall. The tread pattern and rubber used in these tires is perfect for driving in snowy conditions.
  • Oil: The number of miles you require between oil changes depends on the type of oil used in your car. The car make and model are other significant factors that determine the time period between oil changes. Regular oil changes ensure that you get better gas mileage and an improved engine performance. It is best to use high quality oil to remove debris from the engine and keep it running smoothly.
  • Lights: The headlights, brake lights and tail lights need to be in the best working condition to avoid any accident on the road. Clean and fully functional lights are important to communicate with other drivers on the road. Remove dirt or snow accumulated on the car lights and change any faulty bulbs as soon as possible.
  • Filters: The engine air filter must be completely clean because it affects the performance of your car. The air filter helps in stopping the entry of any dirt or debris into the car engine and causing damage. Prolong use of a dirty filter will reduce the car mileage, so change the air filter after every 35,000-40,000 miles.
  • Brakes: The brake pads and shoes also experience wear and tear and need to be changed after a period of time. Check the brakes regularly to detect any changes or unwanted noises. Pay attention to any screeching or grinding noises and make a trip to the mechanic at the earliest. There can also be a warning sign on your dashboard to indicate some problem in the brakes.
  • Belts: The function of the timing belt is to rotate the crankshaft and camshaft so that they work in tandem with each other. This ultimately helps in smooth functioning of the engine valves and keeps your vehicle in good working condition. Any fault in the timing belts can cause serious damage to the engine, so replace the belts after every 60,000 to 100,000 miles.

For affordable car insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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Insurance Services In Killeen, TX

by Administrator 28. August 2017 15:04

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Steps To Get Cheap Car Insurance

by Administrator 24. August 2017 15:44

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Save Money On Teen Driver Insurance

by Administrator 18. August 2017 15:50

Teen driving comes with its own set of potential risks on the road. Apart from the safe and responsible driving, it is also imperative to have a requisite insurance policy. Teen driver insurance costs are high owing to the high risk factor that it poses for the insurance companies. However, there are a number of ways that can help in saving money on teen driver insurance. It is important to be aware about what you can do to get a comprehensive teen driver insurance policy without putting a load on your pocket.

Since adding a teen driver to your car insurance policy can bring in additional costs, you can implement the following ways to reduce the expenditure:

  • Encourage your teen to get good grades: There are a number of car insurance companies that offer discounts to teenagers who earn top grades in high school or college. However, only those students qualify for the discount who are enrolled full-time in high school or college. Teenagers getting education through an academic home-study program are also eligible for teen driver insurance discount. The amount of discount provided by the insurance company can differ from one state to the other.
  • Get your teen enrolled in a driving course: The number of teenagers involved in road accidents is quite high as compared to drivers of any other age group. Therefore, it is best to get your teen enrolled in a safety course that can give him/her the requisite experience for driving on road. Moreover, this can help in providing teen driver discounts on the insurance policy as a safety course eventually reduces the risk of accidents or collisions on the road.
  • Get an old or used vehicle for your teen: The type of car being driven is one of the major factors that contribute towards determining the premium rates. Therefore, luxury vehicles, sports cars or other brand-new cars will have higher premium insurance rates. So it is best to opt for a low-end model or a used vehicle while handing over the car keys to your teen.
  • Get safety features installed in the car: Cost-saving safety features such as anti-theft alarm and electronic stability control can go a long way in bringing down the insurance costs. These insurance discounts can vary from one state to the other, so it is best to check out with your insurance provider regarding discounts for including safety features in your four-wheeler. Not only will you get financial savings, but your teenager will also be fully-protected while driving on the road.
  • Use technology to keep a track on teen driving: There are many insurance companies that offer electronic devices for keeping a check on teen driving habits. These devices can be easily installed under the car’s dashboard and keep a tab on how someone drives. An online report card is generated that can be monitored by families to regulate teen driving. The drivers who meet certain benchmarks in terms of miles covered, number of hours driven, frequency of brakes applied and speed limits can get up to 30% discount on insurance premiums.

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Questions To Ask When Buying Renters Insurance

by Administrator 28. July 2017 17:44

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How To Save On Your Motorcycle Insurance Premium

by Administrator 24. July 2017 08:03

It is important to have an extensive insurance coverage for your two-wheeler so that you and your vehicle are safe on the road. However, before buying any particular insurance policy, it is essential to shop around for an optimum policy that provides maximum protection and offers a desirable monthly premium. This will help you to save money and add to your finances in the longer run.

Listed below are some many ways in which you can save on your motorcycle insurance premium:

  • Get Certification: In order to get labeled as a safe rider, enroll yourself in a training course and get the requisite certification. These courses are specifically beneficial if you are a new rider or have been through an accident lately. Safe riders are eligible for insurance discounts but the amount varies from one lender to another. However, this discount is mostly applicable once every 3 to 5 years.
  • Choose Your Bike Wisely: It is imperative to choose your bike well because this directly impacts your insurance premiums. For instance, if you have an expensive or niche bike; be prepared to shell out more money as insurance premium every month. On the other hand, an older model or a used motorbike will attract lesser rates of interest. This is because the repair and replacement costs in such cases are much lower.
  • Maintain A Clean Driving Record: Having a clean driving record basically corresponds to having fewer or no accidents, tickets and other rule violations. Most of the insurance companies offer significant discounts to drivers with a good record on the road. However, every insurance company might have its own definition of what they mean by a clean driving record. It is best to discuss with your insurance provider if you are eligible for this discount.
  • Get Multiple Policies: Opt for an insurance agency offer discounts on motorcycle insurance if you have more than one policy with them. Therefore, if you already have any ongoing policy with your insurance provider, ask if you can get discounts for maintaining multiple policies with them.
  • Select The Deductible Amount: Deductible is the amount that you need to pay from your pocket after a mishap or accident. A higher deductible on your part corresponds to lesser risk for the insurance company. This consequently brings down the insurance premium and you can save money. You need to be sure if you can cover the deductible costs without putting a dent in your budget.
  • Have Additional Security For Your Bike: Having added safety features in your bike can also bring down your premium rate. Therefore, make sure your bike is fully protected against theft, vandalism or other accidental damage possibilities. This will make you eligible for insurance discounts.

We, at Shawn Camp Insurance Agency, Inc. offer comprehensive motorcycle insurance in Killeen, TX. For more information, call us at (254) 526 – 0535.

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Car Accident: What You Should Do

by Administrator 17. July 2017 11:02

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Insurance Glossary

by Administrator 27. June 2017 11:47

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