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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Car insurance For Young Drivers In Killeen

by Administrator 13. May 2016 08:31

Insurance is mandatory for all car drivers in Killeen, specifically the young drivers as they are more prone to getting involved in accidents. However, the insurance premiums can shoot up for young drivers because of their lack of experience on the road and increased chances of filing a claim. Here are certain tips that can help young drivers save on car insurance:

  • Choose your car wisely: Opting for a high performing four-wheeler will make you pay more for the insurance premiums. Expensive cars are more likely to have powerful accidents and consequently higher damages. So, it is better to buy a car in a medium price range to lower your overall insurance costs.
  • Be clear about the amount of coverage you need: The amount of insurance you require depends on your driving record and usage of the car. Choose your insurance cover after considering all these factors. The most extensive protection is the comprehensive car insurance policy that covers you, your car as well as the other vehicles involved in the accident.
  • Enroll in a driving course: There are various driving courses aimed at making young drivers become more proficient on the road. Enrolling in any such course can not only reduce your insurance premium but also make you eligible for discounts in certain cases.
  • Pay annually: Generally, it is cheaper to pay your insurance premiums annually than on a monthly basis. Although it might seem to be a bit heavy on your pocket but you will reap its benefits in the long run.
  • Have security measures in place: Lowering the risk of theft and damage will eventually reduce your insurance premium. Make sure you have the requisite security equipment installed in the car, such as gear lock, anti-lock brakes, air bags etc. Park your car in a garage or a secure off-street parking to protect it from thieves.
  • Ask for discounts: If you have been insured for over a year and have not yet made any claim, you can get a rebate on the renewal of the policy. You may also be eligible for a discount if you have any other insurance policy from the same company.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of car insurance policies in Killeen, TX. For details about the coverage options, you can call at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Car Insurance For Teenage Drivers

by Administrator 13. October 2015 12:59

Buying car insurance for teenage drivers can be quite expensive. Due to the lack of sufficient driving experience, they are more likely to get into accidents. As a result, the premiums also tend to be higher for teen drivers. However, by keeping certain tips in mind, you can considerably mitigate the insurance costs. Some of these have been discussed below:

  • Keep the driving record clean: Make sure your teenager strictly follows all the driving laws. This will help him avoid any traffic violations and thus, maintain a clean driving record. It will not only help to keep them safe on the road, but also lower the insurance costs. Accompany your teenager during his first few drives to help him understand his responsibilities while driving.
  • Enroll in driving courses: An insurance agency may often discounts to teens who have attended certified driving courses. Check out the list of recognized schools to enroll your teen in an accredited course. This will greatly reduce your car insurance premiums.
  • Parents should set a good example: It is crucial for the parents to set a good example in front of their children. You should diligently follow the traffic rules and drive within the set speed limit. Also, you should never drink and drive. Ensure that you do not indulge in any road rage so that your teen also behaves responsibly while being behind the wheels.
  • Add your teen as additional driver in your policy: The best way to save on your car insurance is including your teen in your policy rather than purchasing a separate policy. This will help you make savings and entitle your teen to the same discounts as well as privileges applicable to you. 
  • Get a safe car for your teen: You should make your teen drive a car that has all the latest safety equipment installed. You can further secure your vehicle by adding security features such as immobilizers, steering wheel locks, gear locks etc. This can also lower the premiums of your car insurance.

If you are looking for an affordable car insurance policy for your teenager in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We will provide you with a wide range of insurance options so you can choose the one that suits your requirements. 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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Guide To Buying A Car Insurance

by Administrator 12. August 2015 07:51

Buying car insurance can be quite a challenge if you are not adroit in choosing the right coverage options. Due to lack of information and knowledge about the type of coverage required, car owners often find themselves in a fix when buying insurance. Here is a quick guide to help you buy a suitable car insurance policy:

  • Choose the best insurance coverage: Every state requires minimum coverage, which is basic and mandatory; however, this basic coverage may not be sufficient to pay for the damages caused to the car when involved in an accident. This means you will end up paying more money out of your pocket. Make sure you have bodily injury coverage, property damage coverage, and other additional plans included in your car insurance.
  • Additional coverage: Besides the basic coverage, you may require other available coverage types such as collision, comprehensive coverage, which protects your car against theft, vandalism, fire and other accidents that do not involve collision. You can combine these types of insurance or buy them separately.
  • Gather the required information and documents: Before you buy car insurance, you need to have all the required information such as vehicle identification number (VIN), driver’s license number, address details and information about the lien holder.
  • Review your driving record: The insurance providers will consider your driving record, so make sure you review your driving record. Inform your insurance agent about any points on your record or any suspensions that you received within the past year or within last three years. The insurance companies make driver’s assessment to determine if he is a potential risk or not.
  • Get multiple quotes: To get the best deal, get quotes from multiple companies. Different companies offer different benefits, so you can easily make comparisons and choose a quote that best suits you.
  • Understand the policy: It is crucial that you understand the policy before signing it. If, in case, you do not understand any clause, ask the insurance agent to explain it to you. Ensure that get everything that you expect before signing.
  • Pay in full to save money: By paying the premium in lump sum, you can save a lot of money. This means you need not pay monthly payment charges.
  • Avoid vehicle modifications: Although modifications increase the performance of your vehicle; however, they increase the insurance premiums. To keep the price of your insurance down, you should ask your insurance advisor on what type of modifications can affect your premium rates.

We, at Shawn Camp, Insurance Agency, Inc., provide comprehensive car insurance in Killeen, TX. 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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