Cars That Cost Less To Insure In Killeen TX

by Administrator 5. June 2013 05:28

The annual premium that you need to pay for your car insurance is determined by a lot more than your driving record or the amount of coverage you opt for. A key factor that goes into deciding how much your auto insurance will cost is the car model you choose to drive. The major factors that determine the insurance cost for a particular car in Killeen TX are-

  • Frequency of crashes for the model
  • Frequency of getting stolen for the model e.g. a sports car with a convertible soft-top that offers easier entry is more likely to be stolen, than say, a sedan with an alarm system. Similarly, the overall desirability of a car, and the value of its parts are also determining factors in it being targeted by thieves.
  • Cost of bodily injury claims to insurer. Cars that offer high safety to passengers driving in them have lower insurance costs.
  • Total cost in case of complete car crash
  • Average cost of repairs. High-end models with expensive spare-parts understandably have higher insurance costs.
  • Sports cars are considered to be more prone to accidents, due to the drivers of these cars having a tendency to over-speed, making this an expensive choice from the point of view of insurance costs.

Based on these factors, the models that are cheapest to insure include-

  • Older models- these cars are typically preferred by insurance companies in Killeen TX, owing to the lower risk of their drivers over-speeding.
  • Cars with advanced factory-approved safety features, e.g. airbags (front, passenger, and side), factory-installed alarms, car-thief detectors, fuel tank cut-offs, etc.
  • Sedans, mini-vans, and other utility vehicles.
  • Cars with smaller motors. A low horsepower engine means a lower risk of over-speeding, hence lower insurance costs.a

These tips can help you to choose a car model that strikes a perfect balance between low insurance costs and the specifications you are looking for-

  • You can use average insurance cost tools available online to determine the insurance premium for a particular model that you might be considering.
  • Once you have narrowed down your choice to two to three vehicles, it is a good idea to consult your insurance provider regarding the insurance charges for these specific models. While it might not be advisable to choose a car solely based on these criteria, it can help to decide a tie.

For cheap insurance in Killeen, Copperas Cove, Gatesville, Austin and Temple TX, call Shawn Camp Insurance at (800) 212-2641.

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Secrets To Cheaper Auto Insurance In Austin TX

by Administrator 20. May 2013 12:39

Being a smart driver can go a long way in bringing down the monthly insurance costs on your vehicle. All that you need to do is understand what your insurance company wants, which is usually just a few simple tweaks here and there. The following are top secrets to cheaper auto insurance tell you just what you can do to see those dreadful figures going down-

  • It all starts from the very first step of applying for car insurance. You will be amazed at the wide difference in prices offered by different companies in exactly the same situations. That is why it is a good idea to carry out the application process online, since that makes it a lot easier to shop around.
  • Once you have decided on the right insurance policy for you, you need to ensure that all vehicles owned by you are under the same policy. This is because almost all insurance companies offer significant discounts on subsequent vehicles.
  • The same stands true for your home insurance and property insurance. Clubbing these insurances with your auto insurance can further add to your multiline discounts.
  • The deductible you agree to pay is the amount you shall need to pay upfront in case of a collision. Increasing this to as much as you can afford can help to lower your auto insurance costs.
  • In case you are driving an old car, it might be a good idea to do away with the collision coverage on it, since this might eventually end up costing you more than the actual value of the car.
  • You need to be extra careful on the road, and make an effort to be a safe driver. Tickets can ruin your driving record and shoot up insurance premiums. As for accidents, these stay on your record for six years, leading to you paying extra premiums through this period.
  • Getting a factory-approved alarm system or an anti-theft system installed in your car can also make you eligible for an anti-theft discount. This is because such a system makes your car less prone to theft.
  • Finally, there are certain driving courses that you can take based on your level of competency, to decrease your insurance premium. Talk to your insurance company about these

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Buying Car Insurance For Women

by Administrator 6. May 2013 08:48

While it might sound absurd, buying car insurance for women is a completely different story than buying car insurance for a male driver, since there is an undeniable difference in how men and women drive, on an average. Statistics show that women are much less likely than men to be involved in a major accident, and when it comes to women, the major concern is of minor accidents. The following guidelines tell you how to go about buying car insurance for women-

  • As a female driver, you need to take extra caution to protect your car from theft and vandalism. There are several ways you can do this, the most effective being getting an immobilizer and an alarm installed in your car. If the security system you opt for is improved by insurance companies, it shall help to bring down your insurance cost.
  • Think twice before making any drastic modifications to your car. As far as possible, make sure all the accessories you have are factory-owned ones that came with the car. Anything you add on top of that is likely to up your insurance cost.
  • When it comes to regular maintenance of one’s car, it is important not to neglect or ignore some important aspects of maintenance. Remember to take your car for servicing whenever it is due, and also look out for the basics. This includes keeping an eye on the condition of your car’s tyres, filling the washers, checking oil and coolant levels, etc.
  • It is advised to add an experienced driver to your policy, as this might help to bring down your premium. While this might not always be the case, it is definitely worth a try. If you are requesting quotes online, you can try comparing rates when you are listed as the only driver, and when you have an experienced driver listed in addition.
  • You can also discuss with your insurance company if there are any driving courses or certificates that you can attend that could help to bring down your insurance premium. Sometimes just a couple of hours on an online course can help to reduce your insurance premium by a few dollars. Also remember to keep an eye on your no-claims bonus, which can be as high as 65% in 4 years.

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How To Save Money On Commercial Auto Insurance

by Administrator 17. April 2013 08:31

Commercial auto insurance is a necessity for any business that owns bulk vehicles. While it seems to be an unnecessary expense from a business owner’s point of view, the long-term financial benefits cannot be overlooked. The trick is to get an auto insurance policy that offers sufficient coverage within an affordable budget. The following tips guide you on how to save money on commercial auto insurance.

  • Opt for a higher deductible- The amount of deductible you choose plays a key role in determining the annual premium on your auto insurance. Choosing a higher deductible means that you will have to pay a higher amount of money in case of an accident or any other insurance-related expenses. However, you can benefit from a lower annual premium, which means greater savings in the long run.
  • Have a single insurance provider- It is advisable to choose a single insurance provider for all your insurance needs. Also opt for a joint policy for your personal auto insurance and commercial auto insurance. Most Austin-based auto insurance companies offer discounts to customers who opt for more multiple insurance schemes.
  • Save on administration fees- Making a few modifications on your mode of payment can help to cut down on the administration fee on your commercial auto insurance, bringing down your overall insurance premium significantly. You can do this by paying the entire insurance amount in one go. Not only does this reduce the total amount paid on interest and administration fee, but some insurance companies in Austin, TX also offer up to 10% off to customers who pay the insurance fee in a single go. Another way to save on administration fee is by paying through EFT (Electronic Funds Transfer).
  • Get quotes and research- Finally, as is the case with any other insurance plan, it is always a good idea to request quotes from various companies before settling for one. If you do not want to increase the deductible, you can explore other options like decreasing the collision or choosing a comprehensive coverage plan. A three-year policy for commercial vehicle insurance usually ends up being more affordable in the longer run as compared to annual ones.

Make sure that you have all the groundwork done before you apply for an insurance policy for commercial vehicles, right from claims history to driver records.

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Choosing The Right Insurance Company In Temple Tx

by Administrator 5. April 2013 06:51

Getting a good low-cost auto insurance policy is very important. However, you must keep in mind that whichever Auto Insurance company you choose in Temple, it must be trustworthy as well as competent in dealing with the customers. Read on to know what all things you must keep in mind while selecting the right insurance company in Temple Tx.

  • Every state has its own department of insurance and all the information regarding it is available on the Internet. There are also relevant details about the number of complaints received by an auto insurance company. These are known as consumer complaint ratios. This is the right criterion for choosing an insurance company, so you must go through it carefully.
  • You must opt for an insurer that has lowest premium quotes. This information is also easily found on the Internet and you must carefully scrutinize it. Accordingly, choose what you consider to be the best.
  • Getting in touch with local shops is one of the best ways to sift out trustworthy insurers. Body shop managers are in regular contact with insurance adjusters and this is the reason why it is best to ask for their recommendations.
  • You must determine what type of coverage you require and then make a comparison of auto insurance quotes of various companies. The main types of auto insurance coverage include: personal injury, liability and comprehensive coverage etc. among a host of others.
  • All the insurance providers must be licensed by the state in which they sell their insurance policies. So, make sure that you are getting the insurance from a licensed company to avoid any legal hassles later on.
  • In order to be sure that the auto insurance company you have chosen pays the claims on time, you must thoroughly check its financial stability. Check out the financial strength ratings on the websites of various companies such as Standard & Poors and Best etc.
  • One of the other ways to find out about reliable auto insurance companies is to go by the ‘word-of-mouth’ publicity. However, you must bear in mind that someone who is giving you a positive review about a certain company must have similar auto insurance requirements as you. This is because what might appeal to them about a particular company; it might be completely useless for you. So, take your decision accordingly.

Keeping the above important pointers in mind will definitely get you the best auto insurance provider that settles the claims without any delays. Thorough research on your end will prove to be beneficial in the longer run.

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How Much Car Insurance Do You Need?

by Administrator 11. March 2013 12:42

Auto insurance or car insurance is basically divided into different categories depending on the number of ways in which they provide you protection. This includes:

  • Liability coverage: In this case, you get insurance coverage when it is your fault due to which the accident has occurred. The money will be provided to the people whom you have hurt in the accident. However, coverage will not be applicable on the people traveling in your car.
  • Bodily Injury Liability (BIL): Here, the medical expenditure of the people hurt in an accident by you is paid for by the insurance company.
  • Property Damage Liability: In this instance, the insurance company will pay for the harm done to the other car by you in the accident.
  • Personal Injury Protection (PIP): This will provide for the medical expenditure incurred by you and the people traveling in your car when the accident occurred. Some policies also provide for the lost wages if you have to take leave from work due to accidental injuries.
  • Uninsured Motorist Coverage: This type of coverage is beneficial to cover costs if someone without an insurance policy hits you in an auto accident.
  • Comprehensive: This is a policy wherein you will be given coverage if any damage to your car happens due to reasons other than an accident. This includes insurance cover for theft as well as any other damage.

As far as the Personal Injury Protection policy (PIP) is concerned, you probably should not be shelling out too much of money for that. A health insurance as well as disability insurance from your employer is good enough in this case. However, you must ensure that you have the requisite coverage against uninsured and under-insured drivers. Getting this type of insurance cover will not prove to be a very costly proposition for you.

On the other hand, comprehensive coverage is a must if you want to get your damaged car repaired after the accident. This policy also holds benefit if you want to outright buy a new car after the auto accident. However, there are deductibles and remember that you will be paid the insurance depending on the present value of car. Therefore, it is a wise option to select the highest deductible that is affordable on your pocket. Choosing a higher deductible is beneficial because it will bring down your premium.

In conclusion, it can be said that how much car insurance you require will depend on your finances as well as requirements. Get the best deal that is most beneficial in the longer run and provides satisfactory relief in case of an unfortunate incident of a car crash.

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