5 Ways to Find Your Ideal Insurance Agent in Killeen, TX

by Administrator 4. November 2011 12:11

 

When you work with an insurance agent, you aren’t simply striking up a deal, you are creating a partnership for risk hedging and liability planning. The agent you choose will have a tremendous influence on your family’s and asset protection, making this an extremely important partnership. You must find an agent that you not only trust, but one whose knowledge and experience are vast enough to ensure that he or she will cover all the bases while still being personally compatible with you.

If it seems like choosing an insurance agent is almost as intense as choosing a future spouse, you aren’t exactly on the wrong track. But before you start going to speed dating events to find your ideal agent, here are a few tips you can try:

1. Ask friends and family for referrals: If you know someone who has an agent, and loves them, then finding out who that agent is. Doing some research on them is a great way to weed through all the options.

2. Do a web search: Most agents are on the web now. If you do a web search in any search engine for the type of insurance you are shopping for and your location, you will turn up hundreds of results that allow you a starting point to further your research.

3. Read an agent’s blog: Blogs are a less formal way of communicating with potential clients. Often, a blog post will give readers a hint about the underlying personality of the agent while giving an indication of how knowledgeable they are.

4. Read newsletters: Agents who offer newsletter subscriptions to visitors of their website are educating people at no charge. These articles can help you determine what the scope of the agent’s business is and what lines of insurance he or she   specializes in. Newsletter articles can often point out how a new line of insurance, one you hadn’t previously considered for your financial plan, will benefit you.

5.Read the agent’s About Me page: It’s nice to have something in common with the person who will be helping to design your insurance plan. Read your agent’s About Me page to get an idea of what personal and professional things you have in   common.

It’s important that you take the time to find the right agent for you, the first time around. Once you’ve developed this relationship it is valuable to keep it going through the years. This will make claims, premiums and renewals so much easier. Also, you’ll know that you have a knowledgeable professional watching your back, even when you don’t know it needs watchin’.

We at Shawn Camp Insurance know that making sound decisions about your coverage is one of the most important things you can do. We stand committed to providing the best combination of service, price and products to meet your individual needs. We specialize in Killeen auto insurance as well as homeowners & business insurance in Copperas Cove, Temple, Gatesville and across Texas. Contact us for at (800) 212-2641 for a  free Houston insurance quote.


How to Save Money on Your Business Auto Insurance Policy?

by Administrator 4. July 2011 12:30

 

A business auto insurance policy protects your business from financial responsibility in the event of a business related vehicle accident.

If you are using a vehicle for commercial use, you must-have business auto insurance. But just because you have to have the coverage, that doesn’t mean that you don’t want to find a way to spend less on it.

Here are five tips to help you save money on your business auto insurance policy without sacrificing your coverage:

Hire safe drivers: Your insurance premiums will go up considerably if you hire a driver with points against their license because they pose a greater risk of accident to your company. Instead, make sure you hire employees with clean driving records.

    Mandatory training: Making safe driving classes mandatory for your employees will show your insurer that you are serious about safety and will train them to act properly when on the road. This will help reduce the risk that they pose and will help reduce your rates.

    Lower your limits: Keep track of the value of your fleet and lower your limits accordingly so that you can keep your policy affordable. Your company cars lose value every year and, if they are driven often, may lose value at a faster rate than a normal vehicle. There is no point in having a high limit if your cars aren’t worth that much, unless you are looking for replacement value instead of actual value. When it comes to medical and bodily injury coverage, be sure not to lower your limits too aggressively since these costs tend to increase over the year rather than decrease.

    Review your coverage every year: When you just renew the same insurance policy every year without reviewing it, you could be missing important changes that have occurred in your business and that should be reflected in your policy. For example, it is possible that you are covered for events that you and your drivers have little risk in encountering or, maybe you have too much insurance on a car that have lost value over the years. It is important to review all these factors every year so you can stay on top of inefficiencies and streamline both your policy and your premium.

    Take safety features: Make sure your cars have safety features such as airbags, anti-lock brakes and automatic seatbelts. All of these automated safety devices will help reduce injuries when accidents occur which reduces the possible medical expenses and reduces your insurance company’s risk.

We at Shawn Camp Insurance know that making decisions about your coverage is one of the most important things you can do. We stand committed to providing the best combination of service, price and products to meet your individual needs. We specialize in Business & Commercial insurance in Copperas Cove, Killeen, Temple, Fort Hood, Gatesville and across Texas. Contact us at (800) 212-2641 for a free business car insurance quote or visit our office.