Questions To Ask Yourself When Shopping For Auto Insurance

by Administrator 31. May 2019 08:22

Tags: ,

Types Of Auto Insurance Coverage You Should Buy

by Administrator 27. May 2019 07:16

There are many types of auto insurance coverages that you can choose from depending on your needs, budget and state requirements. When choosing an auto insurance plan, consider the type of vehicle, driving conditions, theft rate, third party damages, repair costs and other factors that may be of importance to you.

Listed below are the types of auto insurance coverages that every vehicle owner should consider buying:

  • Liability Coverage: Liability insurance coverage protects a vehicle owner from expenses that result due to a car accident caused by him. It covers the cost of repairing property that has been damaged by the accident. Every state has a minimum requirement for this coverage.
  • Bodily Injury Coverage: Vehicle owners should consider purchasing bodily injury coverage to pay medical bills incurred while treating your passenger’s injury.
  • Collision Coverage: This coverage helps in paying for repairs of a vehicle, in case of a collision with another vehicle or object like tree, pole, etc. Under this coverage, if the cost of repairing the vehicle is more than the actual value of the vehicle, the value of your vehicle will be covered.
  • Uninsured Motorist Protection: If a vehicle which is not covered by an insurance policy hits your vehicle, uninsured motorist protection can help you with the expenses related to replacing or repairing your vehicle and cover medical bills.
  • Underinsured Motorist Insurance: Some drivers buy minimum liability coverage that does not provide sufficient coverage when needed. Purchasing underinsured motorist coverage protects you in the event of collision with such drivers by compensating you for costs that exceed the other driver’s liability coverage.
  • Comprehensive Coverage: If your vehicle is damaged by something that is not considered as an accident e.g. if it is stolen, damaged by the weather, hit by an animal, etc.; the repairing costs will be covered by comprehensive insurance. It covers risk factors related to the vehicle, its driver & passengers.
  • Medical Payments Coverage: This insurance exclusively covers medical payments due to an accident. It is also called ‘no fault coverage’ because it provides benefits without considering who was at fault.
  • Others: Apart from the above mentioned auto insurance coverages, you can also get gap insurance, roadside assistance, rental reimbursement insurance, pet injury coverage, custom parts & equipment coverage and more.

Shawn Camp Insurance Agency, Inc. provides affordable auto insurance in Killeen, TX. Customers can request for instant online quotation for their convenience. To know more about types of auto insurance coverage, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas-76542. You can also call at (254) 526-0535.

Tags: ,

How To Make The Most Of Your Auto Insurance Policy

by Administrator 27. September 2018 07:23

If you are looking for ways to get maximum coverage from your auto insurance policy but without spending a huge amount of money, you will have to educate yourself on how to do so. Following are some great tips to make the most of your auto insurance policy:

 

  • Research: The first step in getting the most out of an auto insurance policy is to do some research and compare the rates of different insurance companies. The more research you do, better are your chances of getting an affordable auto insurance policy.
  • Opt For A Higher Deductible: You can save on hundreds of dollars by opting for a higher deductible. Choose an amount that is comfortable for you to pay. You can either choose a lump-sum deductible or opt for paying an extra amount along with your premium.
  • A Clean-Driving Record: Lower insurance rates are offered to good drivers based on their driving record. Those with a record of traffic violations and accidents end up with high premium insurance policies.
  • Bundle Insurance Packages: Opt for auto insurance policies that offer discounts on multiple insurance packages. By combining two different insurance policies you can enjoy reduced premiums.
  • Use Anti-Theft Devices: Installing anti-theft devices gets you into the good books of insurance companies. You become eligible for enjoying lower rates. Examples of such devices are car alarms, steering wheel bars, GPS tracking devices and ignition shut-off devices.
  • The Type Of Car You Drive: The choice of your car plays a big role in determining how much premium you will pay. Vehicles with high sticker prices, high theft rankings, low safety ratings and new vehicles cost more in terms of insurance premiums.
  • Claim Discounts: If you group all your policies in a single insurance company, you stand a good chance of getting multi-line discounts and slashed premium rates. Ask your insurance companies about the different types of discounts they offer and see whether you can avail any. Take advantage of your senior status to be eligible for discounts that are meant for retirees. If you are a teacher or belong to a professional group ask your employer and insurance company whether you are eligible for group insurance discounts.
  • Add Accessories: Investing in accessories like anti-lock brakes and air bags is another way of reducing your auto insurance costs. 

 

To get affordable 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: ,

Tips To Find The Right Auto Insurance

by Administrator 27. January 2018 06:03

Tags: ,

What Impacts Your Auto Insurance Rates

by Administrator 23. November 2017 13:24

Tags: ,

Types Of Auto Insurance Coverage

by Administrator 21. September 2017 15:37

Tags: ,

Reasons To Have Auto Insurance

by Administrator 23. May 2017 13:03

Tags: ,

Affordable Auto Insurance In Killeen, TX

by Administrator 27. February 2017 15:05

Tags: ,

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.

Tags: ,

Ways To Save On Auto Insurance In Killeen

by Administrator 14. November 2015 14:02

It is possible to save a considerable amount of money every year on auto insurance. There are certain factors that need to be kept in mind while finalizing an auto insurance policy. However, it is important to note that by lowering the premium you do not have to compromise on the coverage options. Here are a few suggestions that you can utilize in order to save money on auto insurance:

  • Consider insurance costs before buying: Whenever you decide to buy a car, make sure you pay attention to the insurance costs. The insurance expense is a major part of the total maintenance cost of any vehicle. Therefore, you must consider the amount that you will have to spend on its insurance. The insurance premium you pay will depend on the price, driving record, average maintenance costs and safety level of the car.
  • Compare various policy providers: It is imperative that you compare different auto insurance quotes before selecting a company. You can also call an insurance agency to compare the quotes provided by different carriers in your state. Choose the one that has a good track record of providing satisfactory customer service.
  • Combine insurance policies: A number of insurance policy providers in Killeen offer discounts if you buy multiple insurance policies from them. You can also discuss with your agent if you can insure all your vehicles with a single policy. Do thorough research and find out if getting several policies from the same carrier will benefit you in the longer run.
  • Increase your deductible: Increasing your deductible can help you save a lot in collision and comprehensive coverage costs. You must always save money so that you can afford a higher deductible if an emergency arises.
  • Drive safely:  Check if your insurance agency offers safe driver discounts to clients who have not been involved in any accident consistently for the past several years. You can make additional savings if you have recently undertaken a defensive driving course.
  • Drive less: Many insurance providers in Killeen offer low mileage discounts for those who drive less in comparison to the fixed average number of miles per year for all drivers. People who carpool on a regular basis are also eligible for such discounts.

We, at Shawn Camp Insurance Agency, Inc., can help you choose a comprehensive and affordable auto insurance policy. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,