Simple Car Maintenance Tips To Lower Your Insurance Premium

by Administrator 14. September 2017 10:02

Regularly maintaining you car well translates to fewer accidents on the road and this consequently affects your insurance premium. Fewer insurance claims may bring down your insurance premium or maybe an annual discount from your insurance provider. Therefore, make an effort to have a clean driving record and ensure that your car is in optimum working condition always.

Some simple car maintenance tips that can lower your insurance premium are:

  • Tires: Switch or rotate your tires often so as to guarantee even wear and tear. The time between two rotations entirely depends on your car model, tire type and usage. Regular rotation will not only prolong the life of your tires but also enhance your vehicle’s performance. Winter tires are a must for those residing in areas that receive heavy snowfall. The tread pattern and rubber used in these tires is perfect for driving in snowy conditions.
  • Oil: The number of miles you require between oil changes depends on the type of oil used in your car. The car make and model are other significant factors that determine the time period between oil changes. Regular oil changes ensure that you get better gas mileage and an improved engine performance. It is best to use high quality oil to remove debris from the engine and keep it running smoothly.
  • Lights: The headlights, brake lights and tail lights need to be in the best working condition to avoid any accident on the road. Clean and fully functional lights are important to communicate with other drivers on the road. Remove dirt or snow accumulated on the car lights and change any faulty bulbs as soon as possible.
  • Filters: The engine air filter must be completely clean because it affects the performance of your car. The air filter helps in stopping the entry of any dirt or debris into the car engine and causing damage. Prolong use of a dirty filter will reduce the car mileage, so change the air filter after every 35,000-40,000 miles.
  • Brakes: The brake pads and shoes also experience wear and tear and need to be changed after a period of time. Check the brakes regularly to detect any changes or unwanted noises. Pay attention to any screeching or grinding noises and make a trip to the mechanic at the earliest. There can also be a warning sign on your dashboard to indicate some problem in the brakes.
  • Belts: The function of the timing belt is to rotate the crankshaft and camshaft so that they work in tandem with each other. This ultimately helps in smooth functioning of the engine valves and keeps your vehicle in good working condition. Any fault in the timing belts can cause serious damage to the engine, so replace the belts after every 60,000 to 100,000 miles.

For affordable car insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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Steps To Get Cheap Car Insurance

by Administrator 24. August 2017 15:44

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Save Money On Teen Driver Insurance

by Administrator 18. August 2017 15:50

Teen driving comes with its own set of potential risks on the road. Apart from the safe and responsible driving, it is also imperative to have a requisite insurance policy. Teen driver insurance costs are high owing to the high risk factor that it poses for the insurance companies. However, there are a number of ways that can help in saving money on teen driver insurance. It is important to be aware about what you can do to get a comprehensive teen driver insurance policy without putting a load on your pocket.

Since adding a teen driver to your car insurance policy can bring in additional costs, you can implement the following ways to reduce the expenditure:

  • Encourage your teen to get good grades: There are a number of car insurance companies that offer discounts to teenagers who earn top grades in high school or college. However, only those students qualify for the discount who are enrolled full-time in high school or college. Teenagers getting education through an academic home-study program are also eligible for teen driver insurance discount. The amount of discount provided by the insurance company can differ from one state to the other.
  • Get your teen enrolled in a driving course: The number of teenagers involved in road accidents is quite high as compared to drivers of any other age group. Therefore, it is best to get your teen enrolled in a safety course that can give him/her the requisite experience for driving on road. Moreover, this can help in providing teen driver discounts on the insurance policy as a safety course eventually reduces the risk of accidents or collisions on the road.
  • Get an old or used vehicle for your teen: The type of car being driven is one of the major factors that contribute towards determining the premium rates. Therefore, luxury vehicles, sports cars or other brand-new cars will have higher premium insurance rates. So it is best to opt for a low-end model or a used vehicle while handing over the car keys to your teen.
  • Get safety features installed in the car: Cost-saving safety features such as anti-theft alarm and electronic stability control can go a long way in bringing down the insurance costs. These insurance discounts can vary from one state to the other, so it is best to check out with your insurance provider regarding discounts for including safety features in your four-wheeler. Not only will you get financial savings, but your teenager will also be fully-protected while driving on the road.
  • Use technology to keep a track on teen driving: There are many insurance companies that offer electronic devices for keeping a check on teen driving habits. These devices can be easily installed under the car’s dashboard and keep a tab on how someone drives. An online report card is generated that can be monitored by families to regulate teen driving. The drivers who meet certain benchmarks in terms of miles covered, number of hours driven, frequency of brakes applied and speed limits can get up to 30% discount on insurance premiums.

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Car Accident: What You Should Do

by Administrator 17. July 2017 11:02

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Questions To Ask Before Buying Car Insurance

by Administrator 28. March 2017 05:05

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What Is Comprehensive Car Insurance Coverage?

by Administrator 26. January 2017 18:52

If you are looking for a car insurance policy, you may have across a myriad of coverage options, leaving you completely confused about which of them to choose. Having a complete understanding and comparing the different insurance plans is essential to make a well informed decision.

Given below is detailed information about comprehensive car insurance coverage and how it can protect you against unexpected financial liabilities.

Comprehensive Coverage: Overview

Comprehensive auto insurance helps to safeguard your vehicle from any sort of damage caused due to unforeseen circumstances, other than motor vehicle collisions. The policy will pay for the cost of repairing or replacing the damaged parts, up to the coverage limits. If your car is totaled, you may also be entitled to complete coverage according to the current market value of the same make and model.

Why Do You Need Comprehensive Coverage?

In some states, buying comprehensive coverage is a legal requirement for car insurance policy holders. This is important for you to have the complete possession of your vehicle. Also, if you are planning to get the car financed, your lender may require full coverage. The loan agreement may include a clause stating that your car is protected against all types of physical damage with comprehensive and collision insurance coverage. People who use their car to commute on a daily basis or park it in a location where it is at risk of being stolen, buying comprehensive coverage becomes a necessity.

What Does Comprehensive Insurance Cover?

Situations in which comprehensive car insurance can protect you include:

  • Theft: If your car gets stolen, you can file a claim with your insurance provider to receive its actual cash value. There is a certain time period, most commonly 30 days, for your car to be considered as stolen.
  • Fire Damage: Whether the fire was caused due to a faulty engine, fuel system leak or due to your own negligence, comprehensive coverage will protect you from any financial liability.
  • Natural Disasters: Damage to the vehicle due to natural disasters such as tornado or hurricane is also included in comprehensive auto insurance coverage. However, you may need to confirm with your agent about the specific natural disasters included in the policy.
  • Vandalism: Any kind of vandalism to your car including being painted or scratched by the kids while it was parked on the street is covered by comprehensive auto insurance.
  • Windshield Damage: The cost to repair chipped and cracked windshields, irrespective of the cause, is provided by this coverage. Any other glass damage, including back glass, sunroof or windows, is also covered.
  • Hail Damage: Hailstorm is quite unpredictable and can cause serious damage if you have not parked your car in the garage. However, if you have comprehensive coverage you do not worry about the dents in your car.
  • Falling Objects: In case of damage due to the car being smashed under a fallen tree, comprehensive insurance can save you from the exorbitant repair costs.
  • Animal Accidents: If you accidentally hit an animal on the road, the policy will reimburse the cost of repairing the vehicle. 

Besides the above mentioned instances, comprehensive insurance coverage will also provide protection when your car has suffered wear and tear while in storage. When you do to drive the car for a long period of time, it may lead to physical damage and mechanical issues. If you have bought comprehensive coverage, the policy will take care of all the repair expenses.

What Is Not Covered Under Comprehensive Insurance?

  • Damage to the car due to a motor vehicle collision
  • Medical expenses and lost income for you and your fellow passengers
  • Damage to the other vehicle in an accident
  • Treatment costs, legal expenses or lost wages of another person due to an accident

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of car insurance policies to the clients in Killeen, TX. Our agents will help you to compare the different coverage options and choose the most suitable ones that provide complete financial protection. 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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Car Insurance Killeen: Common FAQs

by Administrator 19. December 2016 10:54

Car insurance not only covers the damages to your vehicle but also pays for the loss you might have caused to others. For people who have bought insurance for their four-wheeler in the past may find it comparatively easier to figure out how to select the best policy. However, if you are planning to get your car insured for the first time, there may be a number of doubts in your mind.

Discussed below are some of the commonly asked questions about car insurance:

Q: Is It Necessary To Get Car Insurance?
Yes. Most of the states have made it compulsory to get a minimum insurance cover i.e. liability insurance. While a few states require you to buy an additional insurance cover as well. Bodily injury and property damage liability is compulsory for car insurance in Killeen.

Q: Why Do I Need Car Insurance?
There are several aspects that make car insurance necessary. In case of accidents, injuries and damages are common. If you do not have an insurance cover, it may drain your savings. If the accident proves to be fatal for the occupant, the insurance claim can provide support to the surviving family members.

Q: What Does Car Insurance Cover?
Various types of insurance schemes cover different aspects such as damages to the car, injuries sustained by the occupants etc. You can choose from several categories such as liability insurance which pays for the damages you cause to the other person or his vehicle. Other types include medical expenses, comprehensive insurance, collision and uninsured or underinsured coverage etc.

Q: Can I Purchase More Than One Type Of Insurance Cover?
Yes. You can opt for multiple insurance covers. It is purely based on your choice and needs.

Q: Is It Beneficial To Pay Monthly Or Annually?
You can choose to pay whichever way you like but it is more economical to pay annually and can save your time. Some insurance companies also offer discounts on paying the premium amount upfront.

Q: Is It Expensive To Get Insurance?
No. Getting insurance is not expensive. The costs may vary depending upon the person’s driving and credit history. If you live in an accident prone area such as a hilly region, the insurance companies may charge you higher. The cost also varies from state to state.

Q: Will My Insurance Plan Cover Anyone Who Drives My Car?
Your insurance plan will cover the members of your family, except if you specifically exclude a name. In case you permit a friend or colleague to drive your car and he meets with an accident, your insurance will make the primary coverage and the driver’s insurance will be considered secondary. If your car was taken without your permission, the driver’s insurance coverage will make the initial payment.

Q: Does My Credit Score Affect My Insurance Premium?
Yes. A good credit score means you are financially secure. If you have too many debts or your credit history is not satisfactory, the insurance company may question your ability to pay the premium. Most companies will increase the premium rates if the credit score is low.

Q: What Happens If My Car Gets Stolen?
If your car gets stolen and you want an insurance claim, you will first have to inform the police. You can get an insurance cover based upon the type of policy you have bought.

Q: How Can I Lower My Insurance Cost?
There are several ways to lower your insurance cost. Installing safety features in your car like anti-theft alarm, airbags and anti-lock brakes can help you to reduce your premium.

Q: Does The Type Of Vehicle I Drive Affect My Premium Rates?
The costlier the car, the higher will be your premium rate. Apart from this, a car with an efficient engine and good crash-test ratings will reduce your insurance cost.

Q: Are There Insurance Discounts?
Insurance companies give several types of insurance discounts to students and people who maintain a good driving history. You can also bundle your insurance policies to get a discount.
Go through the above questions before you buy your car insurance. It will help you take the right decision.

We, at Shawn Camp Insurance Agency, Inc. provide affordable car insurance in Killeen, TX. For more information you can call at (254) 547 - 2381 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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How To Lower Your Car Insurance Premium?

by Administrator 19. October 2016 03:04

Having a car insurance can be beneficial as it covers the financial losses in case of unforeseen circumstances such as theft, vandalism, floods etc. However, choosing an insurance plan can be an overwhelming task. Being aware of the different factors that affect the insurance cost can help to reduce your insurance premiums to a great extent. Make sure you analyze your requirements before you begin your search. It can help to narrow down your options and choose the most suitable insurance plan that fits your budget.

Listed below are some tips that can help to lower your car insurance premium:

Request quotes from multiple carriers:

Research thoroughly while shopping for a car insurance policy. Request quotes from different carriers and compare the rates they charge for your car. Asses your needs and choose the one that provides maximum coverage options at reasonable costs. Check if they allow you to customize the insurance plan as per your requirements. You may also read online reviews, consult an insurance agency or seek recommendations from your friends. The insurance carrier you choose should be financially stable with a good reputation in the industry.

Credit Score:

Your credit score plays an important role in determining the cost of your car insurance. Paying bills on time and clearing off debts can improve your credit score. Keeping your balance low on credit cards can also be beneficial in getting a good rating. This can help to increase the chances of getting car insurance at a minimized cost. So, it is essential to review your credit record on a regular basis and rectify the errors as soon as possible.

Driving History

A good driving record can help to cut down on your insurance premium. Insurance providers give discounts to the drivers who have never been involved in accidents or received any tickets.  They may also lower the insurance premium if you have taken safety driving course. Your driving experience can also affect the insurance cost. If you are a young driver you may be charged a higher premium as you have more chances of getting involved in an accident. So abide by the rules and drive safely.

Higher Deductibles:

Deductible is the amount of money that you need to pay to the insurance provider before getting a claim.  You can lower your car insurance premium by paying a higher deductible. Since each insurance company has different rules and regulations, you must ask your insurance agent how the insurance cost can be affected by increasing the deductible. Depending on your insurance policy, you can save money on annual or monthly premium.

Car Related Factors

Safety Rating:

If you own a car with a high safety rating, you can get discounts on your insurance premium. Having safety features such as airbags, anti-lock brakes, automatic seat belts etc. can reduce the risk of accidents and medical bills. Getting anti- theft and engine-cut-off system installed in your car can also lower your insurance rate. Thus, having a good safety rating can be beneficial for you.

Low-Mileage Discounts

Some insurance companies in Killeen offer discounts, if you drive less than average miles per year. It can lower the chances of getting involved in accidents.  Also, keeping your car in a safe location such as garage can help to reduce your insurance rate.

Choose The Car Carefully:

If your car has a large engine i.e. it has a lot of horsepower, you may have to pay a higher insurance premium for it. Thus, it is better to choose a small commuting car. However, among the different types of cars available, sports cars have the maximum insurance rate. Also, getting insurance for a used vehicle can beneficial. Since the cost of repairing can be more than its actual worth, people generally prefer replacing the car. That is why insurance companies charge a lower coverage rate for them.

If you are looking to choose a car insurance plan, these tips can definitely help you. You can even seek professional assistance to make the final decision.

We, at Shawn Camp Insurance Agency, Inc. provide affordable car insurance in Killeen, TX. The agents help in choosing the best insurance plan according to the client’s requirements. For more information you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Tips For Buying Car Insurance For Teenagers

by Administrator 12. August 2016 08:28

If your kids are about to reach their driving age, you need to take the tough decision whether to include them in your auto insurance policy. Adding a teenager in the auto insurance policy can raise the premium amount but will still cost less as compared to buying a separate policy. Since teens are at a higher risk of getting involved in an accident, the insurance companies may quote higher premium rates for insurance.

Given below are certain tips for buying car insurance for teenagers:

  • Maintain a good grade: For high school or college students, keeping a good attendance and a high grade-point average can fetch a discount on car insurance. You need to get in touch with your insurance agent to know about the details as eligibility for such discounts may vary from one company to another.
  • Drive safely: Getting enrolled in a driving course may also make a teen eligible for lower car insurance premiums. A responsible and attentive driver is less likely to cause an accident, minimizing the likelihood of filing a claim. On the other hand, speeding tickets or violation of traffic rules can put a dent on your driving record and increase the insurance rates. The penalties for drunk driving are even higher and directly impact your insurance premiums.
  • Choose the right car: Another factor that has a great bearing on the insurance rates is type of car being driven by the teenager. The vehicle’s make, model, engine capacity etc. are some of the things that should be taken into account. In simple terms, the more expensive your car, higher will be the premium rates. Some insurance providers also offer premium discounts for installing up-to-date safety features in your car such as airbags and anti-theft devices.
  • Buy a separate auto insurance policy: In some instances, it may be cheaper for a teen to buy a separate car insurance policy. If both the parents own very expensive or luxury cars and the teenager is going to drive a different car, it is better to opt for a separate car insurance policy as it may turn out to be cheaper.
  • Raise your deductible: Deductible is the amount of money required to be paid by you in case of an accident. After the deductible limit, all the expenses are paid by the insurance company. It is best to opt for a higher deductible as this will also bring down the car insurance premium rates.

If you are looking for an affordable car insurance policy for your teenager, consider Shawn Camp Insurance Agency, Inc. As a leading insurance agency in Killeen, TX representing multiple carriers, we can help you compare and choose the best 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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Reduce Risk To Get Lower Car Insurance Rates

by Administrator 16. June 2016 07:58

Getting a car insurance policy is crucial to safeguard yourself and your vehicle in case of an accident. You need to get the right amount of coverage but the insurance rates can sometimes put a dent in your budget. However, you can take certain steps to reduce risk factors that tend to upsurge your car insurance rates.

Below are some ways to bring down your car insurance rates:

  • Keep a clean driving record: You may have to shell out a higher insurance premium if you do not have a clean driving record. Therefore, ensure that you do not get involved in accidents or violate traffic rules. Insurance companies quote rates according to the number of traffic tickets issued to the driver which means higher points can raise your insurance premiums.
  • Limit the number of claims: It is important to avoid filing for an insurance claim in case of a minor damage to the car. In case of an accident, filing a claim can sometimes raise your insurance costs for years to come. So, you need to weigh the settlement cost against the amount of no-claims bonus.
  • Get a tracking device installed in your car: One of the easiest ways to save on car insurance is to install a tracking device in your car. This will lower the risk of theft and reduce your chances of filing a claim. Not only this, you can also become eligible for discounts if you drive your car less frequently and on short distances. 
  • Shop around: It is important to get quotes from various insurance companies in order to get the lowest premium. Finalize a company only after thoroughly checking its background and claim settlement records. Also, consider what all coverage you will be getting in your insurance policy.
  • Choose your vehicle wisely: Buying an expensive four-wheeler will definitely raise your insurance costs as compared to a low-cost car. You need to talk in detail to your insurance agent regarding the premium amount for different cars before arriving at a particular decision.
  • Enroll in a defensive driving class: Getting yourself enrolled in a defensive driving class can bring down your insurance premium to a great extent. The insurance company will perceive you as a safe and responsible driver. Hence, you will be able to get car insurance with a lower premium.

Shawn Camp Insurance Agency, Inc. offers a wide range of car insurance policies to the clients in Killeen, TX. Call us at (254) 526 – 0535 for more information.

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