Questions To Ask Before Buying Car Insurance

by Administrator 28. March 2017 05:05

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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.

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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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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.

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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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Questions To Ask Your Insurance Agent In Killeen

by Administrator 6. September 2016 08:00

Having an insurance policy can protect your home, vehicle as well as other valuable assets from theft, vandalism and various natural disasters. However, you may have certain queries while choosing an appropriate policy. Listed below are some questions which you must ask your insurance agent to make the right decision:

What kind of coverage do I need?

You should analyze your requirements and budget before choosing an insurance policy. There are various types of coverage such as liability, medical payments, umbrella coverage, comprehensive and collision coverage etc. Make sure you pay only for the coverage that you absolutely require.

What is the procedure for filing a claim?

To file a claim, you can call your insurance agent as soon as possible. All relevant documents should be submitted to the insurance provider so that you can get the claim easily.  In case of police involvement, paperwork from their end may also be required. Your insurance agent will provide you complete guidance in filing a claim.

How can I save money on insurance?

You can get tips from your insurance agent to reduce your premium. If you have undertaken a safety course and have airbags or anti-lock brakes in your vehicle, you can get discount on your auto insurance policy. Opting for a higher deductible can also reduce your premium amount.

How can I make my premium payments?

Once the premium amount is fixed, you will be asked to choose the payment method for the premiums. You can either pay by check, cash or online. Your insurance provider will give you a date by which the payment must be made every month.

How much will it cost?

The cost of insurance depends on the type of policy you choose. If you need complete coverage for your home or vehicle, you may have to pay more. Make sure you choose the coverage options according to your requirements.

What effect does my credit history have on my insurance?

Having a good credit record can help you improve your creditworthiness. So clear off your debts and pay your bills on time to improve your credit score as this can help you save money on your insurance. You can contact your insurance agent for more details.

We, at Shawn Camp Insurance Agency, Inc., provide affordable insurance in Killeen, TX. For more information about 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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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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Mistakes To Avoid When Buying RV Insurance In Killeen

by Administrator 5. August 2016 13:35

The number of recreational vehicle (RV) owners in Killeen has seen a steep rise during the recent years. This makes it important to have a comprehensive insurance policy that protects your RV in case of any unfortunate incident. The insurance policy and coverage depends on the model, vehicle usage, driving frequency and many other factors.

Given below are some common mistakes that should be avoided when buying RV insurance in Killeen:

  • Believing that a car insurance policy is sufficient: An RV is more than just a normal four-wheeler and comes with an entirely different set of risks as well as liabilities. It is a specialized vehicle that needs a separate insurance coverage which is different from a basic auto insurance policy. Your RV insurance coverage should include protection for the vehicle as well as your personal belongings in it. Depending on where and how frequently you will drive it, a suitable insurance policy needs to be in place to safeguard your RV.
  • Choosing inadequate coverage: The financial repercussions of inadequate RV insurance coverage can be huge and therefore it is important that you know what is required. You can opt for a comprehensive RV insurance policy for protection in case of incidents such as fire, sabotage or theft. You should avoid getting minimum coverage just to fulfill your state’s legal insurance requirements. The loss of income and medical expenses that you may have to incur after an accident are likely to exceed the limits of your policy.
  • Not asking for discounts: Ignoring the available discounts is another mistake that you need to avoid. You can be eligible for certain discounts which can help in bringing down the insurance premiums. For instance, certain insurance companies offer discounts to the clients who have a safe and clean driving record. You can also get premium discounts if you add more vehicles to your RV insurance policy. Therefore, always be on the lookout for discounts and discuss the possibilities with your insurance agent. 
  • Agreeing on low premium rates: While low premiums may seem to be a lucrative option while insuring your RV, they can pose a huge risk in the future. It is best to consider the coverages that you require and then settle for a premium rate that will provide complete protection to your vehicle.

For comprehensive RV insurance in Killeen, TX, consider Shawn Camp Insurance Agency, Inc. For details about the coverage options, you can call at (254) 526 – 0535

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Common Auto Insurance Mistakes To Avoid

by Administrator 7. July 2016 11:28

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.

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Motorcycle Insurance Frequently Asked Questions

by Administrator 23. June 2016 08:32

When shopping for a motorcycle insurance, you must make sure that you know about the optimum coverage amount required, ways to get lower monthly premiums and procedure involved. You can get in touch with an insurance agent as he can help you to customize a plan that suits your bike type, driving needs as well as fulfill the state’s insurance requirements.

Following are some questions that are frequently asked by customers before buying a motorcycle insurance:

What kind of coverage do I need?

The comprehensive coverage policy which covers all expenses related to repair and damages of your motorcycle. Collision coverage pays for the expenses in case the vehicle is involved in an accident. Liability coverage covers expenses if there is a damage caused to a third party by your motorcycle. The coverage also varies as per the make of your bike. Therefore, you may need to pay different monthly premiums for a sports bike and a cruiser bike.

How do I make my premium payments?

Once the premium amount is fixed, you will be asked to choose your preferred payment method. It could be a by check, cash or online transfer. You will also be given a date by which the payment must be made every month.

Are there any discounts?

You can consult with your insurance agent about any discounts you can avail to lower their monthly payments. There is multi-policy discount which is offered if the customers combines some other insurance (personal, auto, health etc.) with their motorbike insurance. If the rider has taken special driving courses or has installed special lock brake, disc locks, immobilizer, ground anchors etc., he may be eligible for further discounts.

How do I file a claim?

If there has been a theft, collision or damage and you need to make a claim, call your insurance agent within 24 hours. If there is police involved, the paperwork from their end may also be required to finish claim formalities. In the event of no-claim in the entire tenure of the policy, you may get special discounts at the time of renewal.

Do I get roadside assistance in this policy?

With a slightly higher premium amount, one can have roadside assistance included in his policy. This is helpful specifically if the motorcycle is driven on long distances as it is an assurance that can get immediate help in case your vehicle breaks down unexpectedly.

Contact Shawn Camp Insurance Agency, Inc. to buy motorcycle insurance in Killeen, TX. For details about the coverage options, you can call us at (254) 526 – 0535.

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