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Buying auto insurance for the first time can put you at risk of committing certain mistakes. The myriad options offered by the insurance agencies in Killeen further increases this possibility. You need to choose an auto insurance policy depending on the type of coverage that will be sufficient for your vehicle. Therefore, proper consideration is required so that you don’t end up losing money on auto insurance.

Below are some common auto insurance mistakes that you need to avoid:

• Shopping without prior preparation: Before venturing out to request auto insurance quotes, you need to be fully prepared so that you can make an informed decision. You must possess complete knowledge about the car insurance coverage requirements in your state. You also need to know if you require comprehensive or collision coverage and how much insurance premium you can afford to pay every month.
• Not consulting various insurance companies: One of the most common auto insurance mistakes is consulting only one insurance company and not making an effort to shop around. It is important to consult at least 4-5 insurance companies in order to compare the premium rates and finalize the one that suits you the best. Getting quotes from multiple insurance companies can help you save a lot of money in the long run.
• Not being aware of the coverage you require: Most of the customers buy auto insurance just to fulfill the legal coverage requirements in their state. However, depending on the type and model of vehicle you own, your driving record and other such parameters, you may require certain additional types of coverage to keep you fully protected. You need to have a detailed discussion with your insurance provider to know the most suitable coverage options for you.
• Buying unnecessary coverage: Considering the extensive coverage options available, you may end up buying the ones that you actually do not require. For instance, you need to calculate if it will be cost-effective for you to pay for comprehensive and collision coverage. If you are paying a premium that is more than 10% of the total cost of your car, it is better to consider dropping optional coverages.
• Choosing a wrong deductible: Deductible is the amount of money you are required to pay towards the claim amount. You need to choose your deductible after a thorough consultation about your budget. While a higher deductible can assist in lowering your insurance premiums, it could end up burdening your pocket in the event of an accident or damage.

To buy auto insurance in Killeen, TX, consider Shawn Camp Insurance Agency, Inc. We will help you find the most suitable and affordable insurance policy. For details, call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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.

It is crucial to have auto insurance that can offer you adequate coverage in case of an accident. It is essential that you purchase a plan that is suitable to your budget and requirement.

Here are some steps that are helpful in applying for auto insurance:

• Research the available options: You must research and look for the most suitable plan or ask your insurance agent to do the research work for you.
• Know what coverage you need: Every state sets forth the minimum liability coverage required and you should be aware of it. You should be knowledgeable about your net worth, assets, how much protection you require, the type of coverage you need and the amount that you are prepared to pay as premiums. You can have comprehensive and collision coverage, which pays out when your car is damaged or lost.
• Factors that affect your insurance rates: There are many factors that may affect the rates of the insurance, which includes your driving record, record of other drivers on your policy, type of car, age of your vehicle, anti-theft devices, value of your vehicle, distance you drive every year, etc.
• Ask for discount: By taking an advanced training course and getting multiple insurances from the insurance provider you can be eligible to avail certain discounts. You must discuss this with the agent and ask for any discounts possible. 
• Get multiple quotes: To make comparisons, get multiple quotes for the same coverage so that you get a competitive plan. While comparing the quotes, make sure that the policy length is the same.
• Background of insurance company: After comparing the quotes, you must consider the details of the insurance company. It should boast of a good reputation in handling claims and offer good customer satisfaction.
• Read the policy document thoroughly: The insurance application should be correct and complete. Make sure you go through the application to ensure that it includes all the conditions under which you will be paid for a claim. Review your policy to confirm it contains what you selected. In case of any doubt, ask your agent about for clarification.
• Payment: Pay your premium in full and up front to save money. To avoid late payments, set up automatic recurring payment from your bank account. This will ensure that you don’t end up paying more or fines for your policy.

These steps can assist you in finding the auto insurance policy best suited to your needs.

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.

Car insurance is an essential purchase if you have recently purchased a car. There are a number of reasons why you should get your four-wheeler covered against any unexpected damage or theft.

Some of these reasons are:

• Legal requirement: You must carry a valid car insurance policy to avoid being penalized for violation of the law. The consequences for such offenses may include hefty fines, confiscation of your car or losing your driving license. It is required by law to possess valid car insurance.
• Your car is a big investment: After your home, your car is probably the biggest investment that you would have. Buying an insurance policy is a way to protect that asset of yours from any accidental damage or theft. Moreover, an insured car gives the much needed peace of mind to the owner. 
• Personal financial protection: In case your car is damaged an accident, you might need to bear many more overheads apart from repairing costs. These may involve property damage, medical bills etc. All these can put you under a lot of financial strain. Having a car insurance policy can help you by providing coverage against these unforeseen expenditures.
• Protection from lawsuits: You must also have a car insurance policy to protect yourself from potential lawsuits. If you cause an accident and do not have an insurance policy, you are likely to be sued by the other driver.
• Required by lenders: Some people also need to get car insurance as it is required by their lender. If you are getting your vehicle financed, the lender might require you to have an insurance coverage. This will protect the lender from any loss in case you damage your car that has not yet been paid for.
• Addition to health insurance: Drivers may not have a health insurance policy to cover the medical bills for the injuries that they might suffer in an accident. Most car insurance providers also provide coverage for the treatment costs borne by the injured car driver and passengers. 

If you want to buy the best and affordable car insurance policy in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We offer a wide range of insurance policies with coverage options perfectly tailored to your needs and circumstances. For more information, feel free to call us at (254) 526 – 0535.

Auto insurance is required not just because the law enforces it, also for the protection of the driver and passengers travelling in the car. Most states have made it obligatory for car drivers to have at least PIP (Personal Injury Protection) and PDL (Property Damage Liability). Without these, one is not allowed to drive a motor vehicle in the United States. In case of an accident, the insurance company provides coverage for anyone who sustained injuries as well as damage caused to the car or any property.

Since the insurance cover differs depending on the insurance company, type of vehicle, driving experience, past driving record, and other factors, it is a good idea to carefully evaluate your options before choosing an auto insurance plan. While the law requires you to have basic coverage for your car as mentioned above, you can increase the coverage according to your needs. This might include coverage for burglary, fire, etc, which might not be included in the basic plan.

You should also be clear about the terms and conditions of a deductible, right from the word-go. A deductible is the amount you will have to pay in the event of an accident. Even though your insurance company will pay for the repairs, but you will still have to pay a certain sum depending on the extent of damage and your insurance coverage. If the accident was caused due to the mistake of another driver, his insurance company will be liable to pay the deductible on your behalf.

All these factors prove that the decision of choosing the right insurance company is very important. The two major aspects to look for while making this choice are - fair rates and maximum coverage. It is always a good idea to do some research on an insurance company that you are considering. You can do it by reading customer reviews and asking the firm for references. Some insurance companies offer a lot more than just insurance of cars as their policies also cover commercial vehicles, motorcycles, boating and personal watercraft, motor home, travel trailers, etc.

Generally, the wider the scope of an insurance company, the greater is its experience and reliability. For Free Quote and Cheap Insurance in Killeen, Copperas Cove, Gatesville, Austin and Temple TX, call Shawn Camp Insurance at (800) 212-2641. Shawn Camp Insurance specializes in Auto, Progressive, Homeowners, Recreational Vehicle RV, Boat and Motorcycle insurance.