Types Of Auto Insurance Coverage

by Administrator 21. September 2017 15:37

Tags: ,

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.

Tags: ,

Insurance Glossary

by Administrator 27. June 2017 11:47

Tags: ,

How Are Car Insurance Rates Determined

by Administrator 17. May 2017 11:57

Have you ever thought why the premium rates of two customers purchasing the same type of car are different? This is due to the fact that there are many factors are responsible for the variation in the car insurance rates. These rates are determined by the risk evaluation experts based on the amount of risk the company is taking by insuring a particular type of vehicle. Higher the risk involved, higher will be the insurance rates.

Given below are some of the important factors that help in determination of car insurance rates.

  • Value of car: Insurance rates for expensive cars like SUVs and similar luxury vehicles will be higher than the smaller cars as the insured declared value of costly cars will be higher. Even two cars of same cubic capacity manufactured by different companies will have a difference in their prices. This eventually reflects on the insurance premium that you need to pay.
  • Driver's history: Those having a poor driving record or a history of accident, drunken driving conviction or over speeding fines are charged a higher insurance rate. This is due to the increased amount of risk of claim that has to be taken into account by the insurance company.
  • Type of car: Different types of cars are equipped with diverse safety and security features. The enhanced safety of a car can be assessed by factors such as: car damage history and number of accidents of a particular type of vehicle. If you own a car model that has a record of higher number of claims, you will be charged a higher rate for your insurance policy.
  • Demographics: Insurance rates vary for different zones and are determined on the basis of number of theft and insurance claims in a particular area. Densely populated areas have a higher number of theft incidents and accidents. Hence, cars purchased by customers in these areas are automatically charged a higher rate of insurance premium.
  • Age of the customer: Generally, young drivers are prone to accidents as they drive more swiftly as compared to old-aged drivers. Therefore, people buying a car at younger age will be charged a higher rate of insurance premium due to the increased amount of risk associated with them.
  • Usage of vehicle: The car which is being used for commercial purposes will remain on the road for a higher period of time and is consequently more prone to accidents. Hence, such types of cars are charged a higher rate of insurance premium than the cars used for personal purposes.
  • Occupation of the buyer: Individuals in the occupation of sales and marketing, or politicians etc. have a higher risk of casualties and thus will be charged more for car insurance as compared to those in desk jobs such as operation staff working in the back office etc.

For affordable car insurance in Killeen, TX, get in touch with Shawn Camp Insurance Agency, Inc. We can be contacted at (254) 526 – 0535.

Tags: ,

What Is Covered Under Home Insurance

by Administrator 28. April 2017 16:00

Tags: ,

Beginner's Guide To Motorcycle Insurance

by Administrator 24. April 2017 15:51

Tags: ,

Questions To Ask Before Buying Car Insurance

by Administrator 28. March 2017 05:05

Tags: ,

Questions To Ask When Purchasing Motorcycle Insurance

by Administrator 15. March 2017 12:24

It is essential to buy appropriate motorcycle insurance to protect yourself and your bike in case of an unfortunate accident. However, you need to clearly understand about all the inclusions in your policy so that you know what to do in case you need to make a claim. Customize your motorcycle insurance policy to get the maximum benefits out of it. Below is a list of certain questions you need to ask when purchasing motorcycle insurance:

What is the minimum coverage required? : Every state has different requirements when it comes to minimum coverage for your motorcycle. Learn about the least liability coverage that you will require and then proceed on to have additional coverage based on your individual situation. For instance, if you have expensive gear or bike accessories you would want to insure them separately.

How much insurance do I need? : You can opt for different types of motorcycle insurance such as: collision coverage, comprehensive coverage, underinsured coverage etc. You need to be sure about what more you require apart from the basic coverage. For e.g.: collision and comprehensive coverage is necessary to provide financial protection in case your motorcycle gets damaged in accident, fire, theft etc.

What all is covered? : Many motorcycle owners want to know whether the safety gear, custom parts and other motorcycle accessories are covered under their regular insurance policy. However, you need to know that standard coverage might or might not provide coverage for custom parts. You need additional coverage depending on what all you want to get insured. Get in touch with your insurance provider to know the details of your policy.

Am I eligible for insurance discounts? : Ask your insurance provider if you are eligible for any kind of discounts in your insurance policy. While some insurance providers give discount to motorcyclists who have done a safety course, others might give you concession based on your good driving record.

Can I get replacement cost coverage? : Again, you need to confirm this from your insurance provider as this depends on your policy. Although comprehensive and collision coverage provides financial protection in case your bike gets damaged, but you can get replacement cost coverage on some models if your bike is less than a year old.

Can I get roadside assistance? : Your insurance policy might provide roadside assistance coverage for an unforeseen circumstance. Under this type of coverage, your bike will be towed to a repair shop in case it gets damaged on the road due to any reason. You can also get some other basic emergency services included in this type of coverage. Moreover, trip interruption benefits are also provided by certain insurance providers.

We, at Shawn Camp Insurance Agency, Inc., offer comprehensive motorcycle insurance to the residents of Killeen, TX. For more information, call us at (254) 526 - 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,

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.

Tags: ,

Top Questions About Renters Insurance

by Administrator 19. January 2017 08:23

Having an insurance policy is crucial if you live in a rental property. It will cover the financial losses in case of damage to your personal belongings and valuable assets. Renters insurance also pays for the medical expenses in case someone gets injured within the premises of your property.

When buying renters insurance in Killeen, TX, you must make sure the company has a good reputation in the industry. The policy you choose must cater to all your requirements and fall within your budget. You can even ask questions to your insurance agent to clear your doubts.

Listed below are some of the questions that you may need to ask while buying renters insurance:

Can I move my renters insurance to another apartment?

Yes, you can transfer your renter’s insurance to another apartment within the same state.  However, each time you relocate, you need to provide your new address to the insurance agent.

Will landlord’s insurance protect my personal belongings?

No, a landlord’s insurance cannot cover your personal assets. It only pays for any damage to the physical structure of the house. That is why, having renters insurance is essential.

What are the payment options for renters insurance?

You can either pay online or through checks. Premiums can be paid monthly, quarterly or annually as per the terms of your policy.

Is personal liability included?

Yes, personal liability is generally included in renters insurance. It provides financial protection in case you are held legally liable for any injury to the guests within the premises of your property.

Are my roommates insured?

Spouses and immediate family members are automatically covered in the renters insurance. However, if you want to include a roommate, you must get him specifically named in your policy. Do not forget to check the damages and renew your insurance plan in case he leaves the property.

What does renters insurance usually cover?

Most of the insurance companies cover the personal belongings such as furniture, clothes, electronics, artwork etc. It may also cover jewelry, silverware and other valuable assets. However, you must ask your insurance agent about the different types of coverage options available under your insurance plan.

What is the difference between actual cash value and replacement costs?

The difference between the actual cash value and replacement costs is given below:

Replacement costs

It includes the cost of replacing any damaged item in the property. The replacement cost is calculated without considering the depreciated value of the item.

Actual cash value

 It pays for the valuable possessions in case they are lost or stolen. The price of these items is set at the market value i.e. the actual value minus the depreciated value.

How can I save on renters insurance?

You can consider buying more than one policy from the same carrier. It may help you to get multi-policy discount. If you are choosing a higher deductible, you can lower your insurance premiums. Having a good credit score can also help to save money on your renters insurance.

What perils are covered?

Insurance agencies provide coverage in case of unforeseen circumstances such as theft, fire, smoke etc. However, certain policies do not offer coverage in case of earthquakes and floods. Make sure you confirm it with your insurance provider before signing the policy.

What if I want to move out during repairs?

In case your rental home is being repaired or renovated, it may not be conducive to live there. Most of the insurance policies cover the additional expenses which may occur due to living in a temporary rental unit or hotel charges. It may also include the restaurant bills, transportation costs etc. The company pays for the expenses until the home gets completely repaired.

You must inquire about the claims procedure from the insurance agent. Also make sure you read the insurance policy carefully. This can help you to choose the best insurance plan.

We, at Shawn Camp Insurance Agency, Inc., provide comprehensive renters insurance in Killeen. The agents at the firm have extensive knowledge about various insurance plans and provide quick response to queries of clients. For more information, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,