Car Insurance In Killeen, TX

by Administrator 20. April 2015 07:43

Choosing suitable car insurance can be quite daunting, specifically for the first timers but it is an essential purchase when you buy a car. Most companies and financial institutions require a proper car insurance policy to allow you to have complete possession of the vehicle. However, with proper under knowledge and understanding of the coverage options, you can be in a better position to take a wise decision about which insurance to buy.

Here are the common car insurance coverage options offered:

  • Bodily Injury Liability: This includes providing compensation for the medical expenses of the people injured in a car crash caused due to the insurer’s fault. It usually pays for the treatment of injuries, rehabilitation, loss of wages, legal representation and funeral costs, if required.
  • Property Damage Liability: This coverage compensates the damage caused to the other party’s car when the insurer has caused the accident. The amount of coverage that will be paid depends upon the cost of your car insurance.
  • Comprehensive And Collision Coverage: This covers all the damages caused to your car due to occurrences other than accidents. These may include fire, weather damage, theft, vandalism, tornadoes, hurricanes, flood etc. Collision coverage compensates the damages when the car is involved in any collision, such as with another stationary vehicle, a pole or any other object.
  • Uninsured/Underinsured Motorist: This provides coverage in case you are involved in an accident with an uninsured driver or if the at-fault party’s insurance coverage is not sufficient to pay for your medical expenses.
  • Medical Payments Coverage: This covers the medical expenses following a car accident, regardless of who is at fault. This coverage usually provides coverage for the medical bills up to first three years of the occurrence of the accident.
  • Custom Parts And Equipment: This car insurance coverage includes protection for the equipment, devices and accessories attached to the vehicle. It also covers the damages caused to any customized parts in the car that alter its performance or appearance.
  • Roadside Assistance: It provides towing services in the event of an unexpected breakdown of the car due to mechanical failure flat tire, insufficient fuel, overheating, dead battery, lost or stolen keys, entrapment in mud or snow etc.

We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable coverage options for your car insurance. To request an online quote, feel free to call us at (254) 526 – 0535.

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Renters Insurance In Killeen, TX

by Administrator 13. April 2015 18:43

While renting a home, most people assume that the landlord is responsible for providing insurance against any sort of damage caused to the property, either due to human or natural circumstances. However homeowner’s insurance does not cover your personal possessions in the rented home, which is covered under renters insurance.

Given here are some of the reasons you should consider purchasing renters insurance:

  • Protection From Theft: In case your home gets robbed, your landlord will not be liable to compensate for your losses, provided that he has installed necessary security measures in the house. Renters insurance, in this situation, will provide coverage against your stolen valuables that are listed in your policy.
  • Protection From Guest Injuries: If a guest happens to injure himself on your property, you may be liable to pay for his medical expenses, if the accident occurred due to your negligence. This may be due to falling on a loose step or slipping on spilled water. Renters insurance also provides coverage for medical bills in case the guest is scratched or bitten by your pet.
  • Protection From Natural Disasters: If your rental home as well as possessions are damaged due to a natural disaster, your landlord may be responsible to get the home repaired. However renters insurance provides coverage for your personal possessions in the house. You should ask your agent about the natural calamities that are covered under your policy.
  • Protection From Self-Caused Damage: If you inadvertently cause damage to your rental home, such as accidentally breaking a window or overflowing water, your landlord may not be responsible for the losses. Renters insurance can help you covers the costs of repairing or replacing the damaged belongings.
  • Protection From Unnatural Fire: A comprehensive insurance policy will also cover the damages caused in the event of a fire due to short circuit or other electrical issues. If you live in a multi-dwelling unit and the fire spreads to other apartments as well, you could be liable to pay for the damages to their property and belongings.

To request a quote for renters insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

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Tips To Save On Auto Insurance

by Administrator 6. April 2015 13:29

Buying auto insurance is mandatory for all the drivers. However, people often consider it an additional expense and look for ways to cut the costs on it. There are a number of ways to save; however, you need to be considerate and carefully investigate all the options.

Here are some effective tips to save on your auto insurance policy:

  • Raise the deductible: A deductible is the amount of money that you have to pay before your insurance company will pay the claim. Raising the deductible on the insurance plan can lower the amount of monthly premiums that you need to pay.
  • Ask for discount: Insurance companies offer various discounts, so it is worth asking for. You can avail discount if you have a clean driving record or have qualified a defensive driving course. You can also be eligible for a discount if you have all your insurances from a single provider. By having combined coverage, you can substantially lower the payments on your car insurance.
  • Have auto safety features: You can reduce your auto insurance by installing some safety features such as antilock brakes, seatbelt indicator, airbags, etc. The insurance companies offer discounts for drivers who park their vehicle safely and use anti-theft devices such as hood, fuel cut-off systems, wheel locking, etc.
  • Avoid carrying excess coverage: Avoid including coverages that are already available with extended warranties, AAA membership, or lease agreements. These may make your insurance cost go substantially higher.
  • Make payments on time: You must understand that missing a payment can lead to its cancellation and you may have to pay higher rates on the new policy. Therefore, avoid late payments and pay some amount to keep the policy active and avoid cancellation.
  • Age of primary driver: An older driver gets policy at lower rates, so make sure you choose your primary driver carefully. You can get the policy in the name of a parent or an elder member to save money on your auto insurance.
  • Pay premiums in lump sum: Monthly or annual premium installments include service charges every time you make the payment. Making a lump sum payment of the premium can save a lot of money.
  • Get multiple quotes: Auto insurance costs may vary greatly from one company to another. Hence, it is advisable that you consult an insurance agency to compare the quotes from multiple sources.

The auto insurance rates depend upon the type of insurance, type of vehicle, its make, and model. Do consult your agent to know how you can save money on your auto insurance.

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