Types Of Auto Insurance Coverage In Austin TX

by Administrator 11. February 2014 19:07

Auto insurance forms an integral part of the armory of any driver who is going to venture out on the road with a vehicle. If you happen to be in Austin, there is a host of categories of auto insurance that you may choose from. Read on to know more about these.
Liability Coverage

This is the most common form of insurance coverage and it helps in meeting the state’s requirement of proof of financial responsibility. It generally covers the expenses for car repair, medical costs, and in cases where someone sues you for the accident- the attorney’s fees as well. This type of insurance will take care of you and your family members, in addition to someone who was driving your car after taking due permission from you.

Collision Coverage

This type of insurance coverage specifically relates to repair or replacement of car that was damaged in the accident. It covers the amount corresponding to the actual cash value of your car; actual cash value is the current price that a car of your make commands in the market. Like the liability coverage, the collision coverage takes care of you and your family members, as well as someone else who was driving the car with your permission.

Comprehensive Coverage

This is basically an extension of the collision coverage mentioned above.  Besides the costs of car damage, this type of insurance also covers the expenses resulting from theft of car, or other occurrences such as fire or vandalism, resulting in damages to the car. In case you go for an alternative means of transportation till your car is repaired, the comprehensive insurance will cover the costs of that rental as well. The maximum cap on the payment here is again limited to the actual cash value of your car.

Medical Payments Coverage

This is another form of auto insurance in Austin TX, which takes care of all medical expenses resulting from injuries caused in an accident. In case of death, it covers the funeral costs as well. Irrespective of who was driving the car or caused the accident, this coverage looks after you and your family members, as well as any other passengers who were there in the car at the time when the accident happened.

In addition to all of these, some other forms of auto insurance in Austin are: personal injury protection coverage, uninsured motorist coverage, towing and labour coverage, and rental reimbursement coverage.

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Reduce Auto Insurance Cost With Regular Maintenance

by Administrator 4. February 2014 08:27

Regular, preventative maintenance for your car can go a long way in reducing your auto insurance cost. This comes from the reduced chances of a breakdown in a car that is well maintained. This is specially relevant for a used car, in which a regular maintenance routine can help to keep the car’s performance at its peak and save a significant amount of money towards your insurance costs by keeping down your claims. The following simple tips can guide you on how to reduce auto insurance cost with regular maintenance:

  • Be careful about how you drive your car. Make sure that you do not accelerate your engine while starting the car, as this can cause the engine to wear down rapidly. Acceleration should be gradually increased as you drive.
  • Waxing your car regularly can help to create a valuable barrier that can protect your car’s paint from oxidation.
  • Make sure that you change engine oil and replace oil filters regularly. This is especially important if you are driving a used car.
  • Another important thing that constitutes car maintenance is checking the coolant level. The coolant reservoir should have “low” and “high” markings on it to give you an idea of whether you need to refill coolant.
  • Proper maintenance of the tires of your car is a key aspect of car maintenance. This includes checking the pressure of your tires at regular intervals, and looking out for uneven wear. In addition to this, it is also important to get your wheel alignment checked regularly, to prevent steering problems.
  • Make sure that your car’s engine is cleaned thoroughly at least once every year. An engine that is cleaned regularly will keep cooler than a dirty one.
  • You can ensure high mileage and superior engine performance for your car by replacing spark plugs every 40,000 miles or as recommended by manufacturer.
  • Get your car checked by a professional car service at regular intervals to detect any problems that might have gone unnoticed.

While ensuring regular maintenance for your car can help to reduce your insurance premium, it is important to choose your insurer carefully. Look for an Austin auto insurance company that replaces damaged parts with originals and gives guarantees on repairs. Progressive Austin provides various affordable auto insurance plans that ensure sufficient coverage for you in the event of damages to your car.

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Austin Auto Insurance For Seniors

by Administrator 15. January 2014 07:25

With car insurance being a major part of the average pensioner’s monthly income, it becomes important to figure out ways to cut down on your insurance premium as a senior driver. The following tips can guide you on how to keep your financial security intact, and get the most affordable auto insurance for seniors in Austin:

  • Senior citizens are undoubtedly amongst the safest, and most experienced drivers on the road, which explains why several auto insurance companies offer special discounts for senior drivers. Ask your insurance company if there is any such discount that you can avail.
  • If you are looking for a new insurance policy, it is a good idea to carry out some basic research of the prevailing market rates and shop around before settling for any policy.
  • Taking a defensive driver course could help bring down your insurance premium. Your insurance provider can help you with information on a state-approved defensive driver course that you could take.
  • One of the best ways to cut down on your auto insurance premium is to drive safely and maintain a clean driving record with claims-free insurance.
  • If you are driving an old car, it might be a good idea to reconsider your coverage, and cut down on collision coverage. This is because no matter how extensive the damage undergone in the event of a collision, your insurance company is not going to pay you more than what your car is worth.
  • Another way to reduce your insurance premium is to increase the amount of deductibles. However, be sure that you are able to afford the slated amount in the event of an accident.
  • You can also cut down on your insurance costs by driving a low-profile car. You can get information on cars that are considered to be the safest and least likely to be stolen. These cars can get you a lower insurance premium from most insurance companies.

Shawn Camp Insurance Agency, Inc is an insurance provider serving multiple locations across Central Texas. We provide exclusive Progressive auto insurance for seniors, allowing you to avail several discounts on your insurance premium. We have been providing comprehensive insurance policies to Texans located in and around Austin since our establishment in 1976. Contact us today at (800) 212-2641 to request a quote and learn more about our auto insurance for seniors.

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RV Insurance Coverage: Progressive Austin

by Administrator 8. January 2014 06:48

The RV insurance by Shawn Camp Insurance Agency, Inc provides coverage, claims service, and round the clock assistance from our insurance specialists. We provide personalized assistance if you have any questions regarding our policy, or wish to make changes to your existing policy, or report a claim. RV insurance is the best way to protect your investment, with a wide range of coverage options to choose from. These include Vacation Liability, Full Timer’s, Emergency Expense, as well as coverage for your travelling companions and valuables while travelling.

You are offered an RV insurance quote from Progressive Austin 24/7, online, or by phone. Our consultants shall look into your individual case, taking into consideration various factors such as usage of your RV, and the desired coverage, before suggesting you the best coverage options for you. The term “RV coverage” covers a wide range of vehicles, including class A, B, and C motor homes, motor coaches and camper vans, toy haulers, pop-ups, fifth wheels, travel trailers, and campers. Opting for our RV insurance allows you to hit the road without any worries, giving you a more comprehensive coverage than that offered by your auto insurance policy.

The coverage options that we provide in Austin TX include bodily injury and property damage liability, uninsured/ underinsured motorist coverage, medical coverage, comprehensive and collision coverage, roadside assistance, emergency expense, vacation liability, pet injury coverage, fire department service charge, and trailer coverage. The comprehensive and collision coverage offers maximum protection for your RV, covering repairing costs or complete replacement if your RV is stolen or damaged in an accident. You can choose between the market value, agreed value, and total replacement cost.

Shawn Camp Insurance Agency, Inc offers Progressive RV insurance in Austin, providing you with flexible insurance policies and options to fit your individual requirements and budget. Contact us at (800) 212-2641 to request a quote for motor home insurance, travel trailers, camper insurance, camper van insurance, all of which are covered under our RV insurance policy.

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Austin Boat And Watercraft Insurance At Shawn Camp Insurance Agency, Inc

by Administrator 16. October 2013 13:29

Shawn Camp Insurance Agency, Inc is committed to serving the Central Texas community with the best form of insurance, providing competitive quotes with maximum protection. Being a family-owned firm with over three decades of experience in providing insurance, we serve each of our customers with exclusive attention, helping you to find the best insurance for your needs and budget. We offer PROGRESSIVE Austin boat insurance, which is a comprehensive insurance plan including a wide range of coverage options, such as roadside assistance, on-water towing, total replacement, etc. This is similar to our auto insurance plan in many ways.

Whether you use your boat for the simple joy of fishing or going out in the waters with your friends, or for commercial purposes, overlooking the need for insurance is a major mistake. Damage and destruction to your boat are very realistic probabilities, and as a responsible boat owner, it is important to have you boat insured with sufficient coverage, before it is too late. With our boat and watercraft insurance, you can relax, knowing that no matter what the circumstances surrounding your boat or personal watercraft, we have you covered.

Apart from personal watercraft insurance, we also offer several specialized options such as jet boat insurance, sailboat insurance, houseboat insurance, and fishing boat insurance. Just like our auto insurance plans in Austin TX, we also make the process of getting boat and watercraft insurance easy and convenient. You can request a quote online, and even print your insurance card right away. Affordable safety and protection for one of your most valuable assets is just a click away!

We understand that getting boat insurance for the first time can be overwhelming and confusing, with all the options that there are to choose from. We make the job easy for you by providing you with detailed information on the various possible coverage options, and helping you decide which one is the best for you, based on the extent to which you use your boat, and your budget. You do not have to wait any longer, and can start building your boat insurance policy with Shawn Camp Insurance today. We offer some of the most competitive boat insurance rates in Central Texas, making us the insurance company of choice for thousands of our loyal customers. You can contact us online or via phone at (800) 212-2641 to request a quote for your boat/ watercraft insurance.

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Insurance Agency In Austin TX

by Administrator 4. October 2013 11:04

It is important to shield your business, home as well as personal assets with a good comprehensive insurance plan. This helps to save your valuable assets in case of any untoward incident or accident. By opting for insurance, you can safeguard your property and remain tension-free.

If you are on the lookout for a trustworthy insurance agency in Austin TX, do visit us at Shawn Camp Insurance Agency, Inc. We are one of the best independent insurance providers in Austin and specialize in different types of insurance policies.

We provide insurance services such as: Progressive Homeowners Insurance (American Strategic Insurance), Home Insurance, Auto Insurance, Car Insurance, RV & Travel Trailer Insurance, Motorcycle Insurance, Boat Insurance, Watercraft Insurance, Golf Cart Insurance, and Renters Insurance in Austin, Killeen, Harker Heights, Copperas Cove, Temple, Belton, Fort Hood and Gatesville TX.

One of our specialized areas of insurance includes boat and watercraft insurance. Our boat insurance policy covers many things such as: Roadside Assistance, On-Water Towing, Total Loss Replacement, and much more. You can easily get a boat and watercraft insurance quote on our website.

Following are the details of other types of insurance services provided by us in Austin TX:

  • Home Insurance: We have home insurance options for homeowners as well as renters. If you are a resident of Austin, Killeen, Temple, Copperas Cove or any other location in Texas, just get in touch with us to get the best policy for your precious home. Our policies provide protection for your belongings and your house.
  • Auto Insurance: Our Progressive Auto Insurance helps to insure you, your automobile and the fellow passengers. Our services in this category include: Car Insurance, RV Insurance, Motorbike Insurance and Commercial Vehicle Insurance in Austin TX.
  • Motorcycle Insurance: Our Progressive Motorcycle coverage includes various types of bikes such as a touring bike, sports bike and even a small commute. With our optimum motorcycle insurance policies, you can be rest assured about the safety of your vehicle. Our policy covers aspects such as: Total Loss Replacement, disappearing deductibles, Roadside assistance & trip interruption along with accessory & contents coverage.

An insurance policy from Shawn Camp Insurance Agency, Inc., will ensure that you are able to bravely battle out any unforeseen loss to your property. Take a look at our easy-to-use website and you can get information regarding different insurance policies. 

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Get Cheap RV Insurance In Austin TX

by Administrator 4. July 2013 08:53

Getting insurance for your RV (Recreational Vehicle) is a process that needs to be undertaken with careful consideration. The term “RV” typically covers several kinds of vehicles, including campers, travel trailers, motor coaches, class A, B and C motor homes, etc. So if you are looking for insurance for any of these vehicles in Austin TX, RV insurance is what you need. You want to ensure that you are getting the best possible quote for your RV insurance, not just in terms of pricing, but also in terms of coverage.

The following tips guide you on some of the most important considerations to be made before getting your RV insurance:

  • The first step to getting cheap RV insurance is requesting multiple quotes online. This will give you an idea of what to expect, helping to save up to 20% on your insurance cost eventually.
  • Some basic factors on which your RV insurance cost will depend include- RV model, additional auto insurance policies on owner’s name, driving history, desired coverage, etc. Maintaining a clean, claims-free record, and investing in a safe vehicle can contribute to bringing down your insurance cost.
  • It is a good idea to include total loss replacement in the coverage for your RV, since this can protect you in case of steep RV depreciation.
  • Including emergency expenses in your RV insurance can help to reimburse expenses when you are outside the RV, such as during repair of the vehicle. These expenses typically include food, lodging, travel expenses back to the RV, etc., and are valid only if you are within a 50-mile radius of your fixed residence.
  • Choosing to pay a higher amount out of your pocket in the event of an incident can help to reduce your insurance premium.
  • Depending on how long you typically reside in the RV, you can choose between full-timer liability and campsite liability.
  • Getting membership with a vehicle association can help to bring down your RV insurance cost. But you need to check with the association to ensure that it does offer such a discount.

For Free Quote and Cheap Insurance quote, you can visit us at www.shawncampinsurance.com or call at (800) 212-2641. We specialize in Auto, Progressive, Homeowners, Recreational Vehicle RV, Boat and Motorcycle insurance.

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How Much Car Insurance Do You Need?

by Administrator 11. March 2013 12:42

Auto insurance or car insurance is basically divided into different categories depending on the number of ways in which they provide you protection. This includes:

  • Liability coverage: In this case, you get insurance coverage when it is your fault due to which the accident has occurred. The money will be provided to the people whom you have hurt in the accident. However, coverage will not be applicable on the people traveling in your car.
  • Bodily Injury Liability (BIL): Here, the medical expenditure of the people hurt in an accident by you is paid for by the insurance company.
  • Property Damage Liability: In this instance, the insurance company will pay for the harm done to the other car by you in the accident.
  • Personal Injury Protection (PIP): This will provide for the medical expenditure incurred by you and the people traveling in your car when the accident occurred. Some policies also provide for the lost wages if you have to take leave from work due to accidental injuries.
  • Uninsured Motorist Coverage: This type of coverage is beneficial to cover costs if someone without an insurance policy hits you in an auto accident.
  • Comprehensive: This is a policy wherein you will be given coverage if any damage to your car happens due to reasons other than an accident. This includes insurance cover for theft as well as any other damage.

As far as the Personal Injury Protection policy (PIP) is concerned, you probably should not be shelling out too much of money for that. A health insurance as well as disability insurance from your employer is good enough in this case. However, you must ensure that you have the requisite coverage against uninsured and under-insured drivers. Getting this type of insurance cover will not prove to be a very costly proposition for you.

On the other hand, comprehensive coverage is a must if you want to get your damaged car repaired after the accident. This policy also holds benefit if you want to outright buy a new car after the auto accident. However, there are deductibles and remember that you will be paid the insurance depending on the present value of car. Therefore, it is a wise option to select the highest deductible that is affordable on your pocket. Choosing a higher deductible is beneficial because it will bring down your premium.

In conclusion, it can be said that how much car insurance you require will depend on your finances as well as requirements. Get the best deal that is most beneficial in the longer run and provides satisfactory relief in case of an unfortunate incident of a car crash.

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Steps To Buying Auto Insurance

by Administrator 25. February 2013 09:27

While most people do not mind spending days or even weeks researching on what car to buy, they are much more carefree when it comes to buying auto insurance. However, buying the correct insurance for your car can make a world of a difference, not just in ensuring that you are well-covered in case of an accident, but also in saving substantially over a year’s course. The ideal auto insurance is one that offers all the coverage you need, without burning holes in your pocket. Enlisted below are the basic steps to follow to get one-

  1. Decide how much coverage is needed- The first, and most important step when buying car insurance is to decide how much coverage you need. This decision should be made taking into account the requirements of the state you live in, as well as your past driving record and how you intend to use your car.
  2. Analyze current insurance policy- Unless you are a first time car buyer, you probably already have an existing policy. Make sure you understand it thoroughly and are well aware of the exact amount you have been paying, both monthly and annually. This will help you to be a well-informed buyer and to have a figure to beat.
  3. Know about your driving record- It is a great idea to check your driving record with your state’s motor vehicle department, to know if any tickets or points you earned in the past are likely to disappear soon. If that is the case, it is worth it to wait for that period, as it could significantly lower the cost of your insurance.
  4. Begin shopping- With all the groundwork done, you can now actually go out there and start comparing what different insurance companies have to offer. Needless to say, this is the most critical part of the process. You shall need to invest enough time to compare quotes, search for discounts, and make phone calls to companies that sound interesting.
  5. Review insurance company- When you have finally singled down one company that meets your requirements, be sure to do some surveying on their track record, and read customer reviews just to verify their reliability.
  6. Verify policy before signing- The final step is signing the policy, but before you do that, be sure to carefully review it. You want to make sure that there are no hidden costs, and also confirm important factors such as whether the company shall use original parts in case of any future replacements that might be needed. Finally, be sure to cancel your old policy and carry proof of your current insurance with you at all times.

 

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