What Is Roadside Assistance In Car Insurance?

by Administrator 19. November 2015 14:05

Anything can happen when you are on the road. You may be stuck mid way due to a flat tire, mechanical issue or running out of gas. At that time, you need assistance to reach the nearest garage or gas station. The situation can be quite frustrating and time consuming. It may come up as a big relief that most insurance companies in Killeen, TX offer roadside assistance that can save you all the hassles at a minimal cost. Most of the reputed carriers offer roadside assistance as an additional coverage to insure you against the hassles faced if the automobile breaks down. This coverage option is often provided as an inbuilt complimentary cover with car insurance plans.

Roadside assistance coverage includes:

  • Towing: This feature includes towing of vehicle within a 15-mile radius or to the nearest auto repair shop. However, it does not include any costs of repairs made to your vehicle or any parts.
  • Fuel Delivery: If you run out of gas, the coverage offers the facility to deliver the fuel directly to your location. You may be required to pay for the cost of fuel.
  • Winching Service: The insurer arranges to pull your car out of an area with chain or motor-power cable. You can avail this service if your car is trapped in snow, water, mud and sand.
  • Flat Tire Change: You can call roadside assistance services if you have a flat tire. A professional puts the spare tire on your car.
  • Locksmith Service: Often, the situation becomes awkward when you accidently leave keys inside the car or get locked outside. The insurer will send a qualified service provider to replace the keys and help you get out of your car if you have roadside assistance cover.
  • Battery Jump-start: You can call roadside assistance if the battery fails for jump-starting the car at the scene.
  • Minor Repairs: Roadside assistance also provides minor repairs if you are stuck on the road in the mid of the journey.

The roadside assistance cover ensures that you receive prompt service.

To know more about roadside assistance, contact us at Shawn Camp Insurance Agency, Inc. You can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Ways To Save On Auto Insurance In Killeen

by Administrator 14. November 2015 14:02

It is possible to save a considerable amount of money every year on auto insurance. There are certain factors that need to be kept in mind while finalizing an auto insurance policy. However, it is important to note that by lowering the premium you do not have to compromise on the coverage options. Here are a few suggestions that you can utilize in order to save money on auto insurance:

  • Consider insurance costs before buying: Whenever you decide to buy a car, make sure you pay attention to the insurance costs. The insurance expense is a major part of the total maintenance cost of any vehicle. Therefore, you must consider the amount that you will have to spend on its insurance. The insurance premium you pay will depend on the price, driving record, average maintenance costs and safety level of the car.
  • Compare various policy providers: It is imperative that you compare different auto insurance quotes before selecting a company. You can also call an insurance agency to compare the quotes provided by different carriers in your state. Choose the one that has a good track record of providing satisfactory customer service.
  • Combine insurance policies: A number of insurance policy providers in Killeen offer discounts if you buy multiple insurance policies from them. You can also discuss with your agent if you can insure all your vehicles with a single policy. Do thorough research and find out if getting several policies from the same carrier will benefit you in the longer run.
  • Increase your deductible: Increasing your deductible can help you save a lot in collision and comprehensive coverage costs. You must always save money so that you can afford a higher deductible if an emergency arises.
  • Drive safely:  Check if your insurance agency offers safe driver discounts to clients who have not been involved in any accident consistently for the past several years. You can make additional savings if you have recently undertaken a defensive driving course.
  • Drive less: Many insurance providers in Killeen offer low mileage discounts for those who drive less in comparison to the fixed average number of miles per year for all drivers. People who carpool on a regular basis are also eligible for such discounts.

We, at Shawn Camp Insurance Agency, Inc., can help you choose a comprehensive and affordable auto insurance policy. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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What Boat Insurance Policies Cover?

by Administrator 5. November 2015 09:15

Boat insurance is an essential investment in order to protect yourself against costly repairs or financial liabilities arising out of unforeseen circumstances. Whether you own a personal watercraft, jet boat, sailboat, fishing boat, cabin cruiser, bass boat or house boat, you must purchase adequate insurance. However, with so many coverage options available, it can be quite difficult to make the decision.

Here are some of the common coverage options included in a boat insurance policy:

  • Physical Damage Coverage: This includes damage caused to the boat, its engine, motor or other attached structures due to accidents or natural disasters.
  • Bodily Injury Liability: In this, your insurance policy will pay for your as well as your fellow passengers’ medical bills in the event of an accident, regardless of who is at fault.
  • Personal Liability: It provides coverage to another boat owner in case you are responsible for an accident on the water. Your policy will pay for the boat repair costs, medical care, lost wages and other financial losses incurred by the other party.
  • Uninsured/Underinsured Bodily Injury: If you are involved in an accident due to the fault of an uninsured or underinsured boater, this coverage will pay for medical treatment, lost wages and other expenses incurred due to the accident.
  • On-Water Towing: This is an additional coverage option that provides towing service in the event your boat breaks down in the middle of the sea due to a mechanical failure, insufficient fuel or an accident.
  • Personal Effects Replacement: It provides coverage to your personal belongings stored on the boat such as clothes, electronic gadgets, water sports gear, boat hoists, lifts etc.
  • Total Loss Replacement: This coverage comes into effect if your boat is completely damaged in an accident. The company will pay the cost to replace your boat, according to the current market value of the same make and model.
  • Fuel Spill Liability and Wreckage Removal: It provides for the cost of cleaning up fuel and removing debris from the boat following an accident.

We, at Shawn Camp Insurance Agency, Inc., offer affordable boat insurance in Killeen, TX. Our agents will help you choose the most suitable insurance policy with extensive coverage and affordable premiums. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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