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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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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.

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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.