Affordable Auto Insurance In Killeen, TX

by Administrator 4. November 2014 11:21

If you are thinking about getting auto insurance then there are certain points that you must keep in mind. You must compare different companies for discounts, rates and reliable customer services before finalizing the deal.
Here are some important factors that you must consider when getting affordable auto insurance:

Understand your rate:

To pick the most affordable auto insurance you must know what you are paying now. Every insurance company sends a comprehensive policy breakdown, which clearly states how much you are paying and what you are getting for your money. Understanding your current policy can greatly help you choose a more effective policy.

Analyze how much coverage you need:

To analyze your needs you must find the worth of your car, the amount you drive and for how long. Often auto insurance covers liability along with the cost of car which includes medical fees and legal fees. Your deductibles also help you decide how much insurance you require. The higher your deductibles the more you will be able to save on your premiums. It is a good option to buy property damage liability which will cover damages that your car may cause during accidents.

Make sure your driving record is clean:

An insurance provider will always look at your driving records to find out whether you are a risk or not. Paying fines on time also helps you get insurance at lower rates.

Review after-market equipment and accessories:

For getting proper coverage, you should review all after-market equipment and accessories that you plan to install in your car and inform about it to your insurance provider so that you can get the best coverage. Also, note all the changes that you make to your car. Having proof of the value of the items will help in confirming the amount of losses.

Inquire about discounts:

Some companies offer discounts that substantially reduce your premium. If you drive under 7,500 miles per year and use public transport more often, your premium rates may reduce.

Make sure you have good credit ratings:

Insurance companies adjust premiums according to the credit ratings and if you have good credit ratings, then you may have to pay a small premium. The customers with poor credit rating are viewed as high-risk customers.

The make and model of your car:

The car that you drive makes a great difference to your insurance. Expensive cars cost more in terms of insurance. Safety features of the car and how likely it is going to cause damage in case of an accident determines your insurance rates.

We at Shawn Camp Insurance Agency, Inc offer auto insurance to customers and our auto insurance plan covers bodily injury and property damage liability; comprehensive and collision coverage; lease payment coverage and medical payments coverage. To know more call at (254) 526-0535

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Updating Your Auto Insurance for 2012

by Administrator 17. January 2012 12:00

Auto insurance policies, when not planned out carefully, can have dangerous gaps in coverage that leave the policyholder at risk for financial problems after an accident, theft, fire or other insurable incident. This year, update your auto insurance policy to consider the following:

Is your limit on pace with car repair costs and value? Auto repair costs don’t always stay the same from year to year; labor, parts and shipping costs can all change drastically leaving you little actual recompense from your policy unless you adjust your limits. Work with your agent to determine what your limits should be based on these expenses and your Kelley Blue Book value.

Do you have enough coverage for the average liability claim? Your automobile coverage will offer you protection from both bodily injury and property damage liabilities, but will it offer you enough? Talk to your agent about a limit that gives you protection based on current-day claims averages and talk about the possibility of adding an umbrella policy for your auto and home liabilities.

Do you need uninsured motorist coverage? You may be insured, but that doesn’t mean every motorist on the road is. Uninsured or underinsured motorist coverage supplements your damages when the person who causes your accident doesn’t have the insurance policy to pay them.

Can you reduce your overall risk exposure? If you’ve just gotten state-required coverage then you’re doing little to protect your own interests in an accident. Without collision and comprehensive you could be exposed to financial losses after an accident, theft, vandalism, fire or other natural disaster.

How affordable are those deductibles? Make sure your deductibles are still practical for your lifestyle. After a job loss, big expense or other life change, large deductibles can become a greater burden than they initially were.

Do you need to add roadside assistance? A breakdown, flat tire, or depleted gas tank can happen to anyone. If you don’t currently have roadside assistance on your policy, don’t wait until you wish you did before you add it.

Should you add loss of use? If you can’t use your car after an insurable incident damages it, how are you going to run errands, get to work and bring the kids to school? With loss of use coverage, your auto policy can keep you on the road by paying your emergency rental car expenses.

We have all the tools you need to compare premiums, set limits and deductibles and choose coverage options. Give us a call to complete your annual auto insurance review and you can start 2012 out on the right foot.

Call us today at (254) 526-0535 to make sure your car insurance in Killeen Texas is up to par or visit our office.

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