What Is Roadside Assistance In Car Insurance?

by Administrator 19. November 2015 14:05

Anything can happen when you are on the road. You may be stuck mid way due to a flat tire, mechanical issue or running out of gas. At that time, you need assistance to reach the nearest garage or gas station. The situation can be quite frustrating and time consuming. It may come up as a big relief that most insurance companies in Killeen, TX offer roadside assistance that can save you all the hassles at a minimal cost. Most of the reputed carriers offer roadside assistance as an additional coverage to insure you against the hassles faced if the automobile breaks down. This coverage option is often provided as an inbuilt complimentary cover with car insurance plans.

Roadside assistance coverage includes:

  • Towing: This feature includes towing of vehicle within a 15-mile radius or to the nearest auto repair shop. However, it does not include any costs of repairs made to your vehicle or any parts.
  • Fuel Delivery: If you run out of gas, the coverage offers the facility to deliver the fuel directly to your location. You may be required to pay for the cost of fuel.
  • Winching Service: The insurer arranges to pull your car out of an area with chain or motor-power cable. You can avail this service if your car is trapped in snow, water, mud and sand.
  • Flat Tire Change: You can call roadside assistance services if you have a flat tire. A professional puts the spare tire on your car.
  • Locksmith Service: Often, the situation becomes awkward when you accidently leave keys inside the car or get locked outside. The insurer will send a qualified service provider to replace the keys and help you get out of your car if you have roadside assistance cover.
  • Battery Jump-start: You can call roadside assistance if the battery fails for jump-starting the car at the scene.
  • Minor Repairs: Roadside assistance also provides minor repairs if you are stuck on the road in the mid of the journey.

The roadside assistance cover ensures that you receive prompt service.

To know more about roadside assistance, contact us at Shawn Camp Insurance Agency, Inc. 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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Dos and Don’ts of Auto Insurance Planning

by Administrator 12. June 2012 11:47

As with every financial planning endeavor, there is a right way and a wrong way to approach auto insurance planning. Understanding both the dos and don'ts of auto insurance planning will help you get the best policy for your money and avoid creating a plan that crashes and burns.

  • Do get multiple auto quotes in order to find the best rates. Every insurance company has its own formula for developing auto insurance rates. While some may look upon certain risks generously, others may overcompensate for them. By getting a wide range of quotes you can ensure that you've explored every possibility and gotten the best value for your money.
  • Don't buy insurance based on price alone. Insurance policies are not always created equal. The cheapest quote you get may not offer the kind of protection you need. Evaluate your auto insurance options by comparing the protections that each policy offers and weighing the cost against those benefits.
  • Do ask for discounts. Discuss with your insurance agent all the different factors that could go into qualifying you for auto insurance discounts. Talk about any driver’s training courses you've taken, any policies you can bundle, any payment options that offer discounts, any safety gadgets built into your car, and so on.
  • Don't misrepresent the facts. Telling little white lies, misrepresenting the truth on your insurance application and leaving out important facts could score you a cheaper insurance quote, but at the end of the day when the insurance company finds that you were not completely honest, your policy could be rescinded and you may be left uninsured.
  • Do comply with the auto insurance regulations of your state. Make sure that you get all the required coverages so that you are in complete compliance and face no penalties.
  • Don't allow the state to dictate how much coverage you have. While you must, at minimum, comply with the regulations of your state, don't assume that those minimums are actually enough protection for you and your family. Instead, discuss with your agent the financial risks you face after an auto accident and buy sufficient insurance coverage to protect against them.
  • Do consider a deductible. An auto insurance deductible is the amount that you are required to pay out-of-pocket after an incident occurs. Auto insurance deductibles offer a great opportunity to help create a manageable premium balanced with insurance benefits that are legitimately helpful.
  • Don't take on too much deductible. Auto insurance deductibles are per incident, which means that you must pay them each time you have damages rather than on a cumulative annual schedule. If you agree to very high deductibles and have multiple incidents each year, you could easily find your savings depleted.

There are many things to consider when designing your Killeen auto insurance policy and at Shawn Camp Insurance, we’re here to help you work through the difficult decisions.

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5 Ways to Find Your Ideal Insurance Agent in Killeen, TX

by Administrator 4. November 2011 12:11

 

When you work with an insurance agent, you aren’t simply striking up a deal, you are creating a partnership for risk hedging and liability planning. The agent you choose will have a tremendous influence on your family’s and asset protection, making this an extremely important partnership. You must find an agent that you not only trust, but one whose knowledge and experience are vast enough to ensure that he or she will cover all the bases while still being personally compatible with you.

If it seems like choosing an insurance agent is almost as intense as choosing a future spouse, you aren’t exactly on the wrong track. But before you start going to speed dating events to find your ideal agent, here are a few tips you can try:

1. Ask friends and family for referrals: If you know someone who has an agent, and loves them, then finding out who that agent is. Doing some research on them is a great way to weed through all the options.

2. Do a web search: Most agents are on the web now. If you do a web search in any search engine for the type of insurance you are shopping for and your location, you will turn up hundreds of results that allow you a starting point to further your research.

3. Read an agent’s blog: Blogs are a less formal way of communicating with potential clients. Often, a blog post will give readers a hint about the underlying personality of the agent while giving an indication of how knowledgeable they are.

4. Read newsletters: Agents who offer newsletter subscriptions to visitors of their website are educating people at no charge. These articles can help you determine what the scope of the agent’s business is and what lines of insurance he or she   specializes in. Newsletter articles can often point out how a new line of insurance, one you hadn’t previously considered for your financial plan, will benefit you.

5.Read the agent’s About Me page: It’s nice to have something in common with the person who will be helping to design your insurance plan. Read your agent’s About Me page to get an idea of what personal and professional things you have in   common.

It’s important that you take the time to find the right agent for you, the first time around. Once you’ve developed this relationship it is valuable to keep it going through the years. This will make claims, premiums and renewals so much easier. Also, you’ll know that you have a knowledgeable professional watching your back, even when you don’t know it needs watchin’.

We at Shawn Camp Insurance know that making sound decisions about your coverage is one of the most important things you can do. We stand committed to providing the best combination of service, price and products to meet your individual needs. We specialize in Killeen auto insurance as well as homeowners & business insurance in Copperas Cove, Temple, Gatesville and across Texas. Contact us for at (800) 212-2641 for a  free Houston insurance quote.


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