Questions To Ask Yourself When Shopping For Auto Insurance

by Administrator 31. May 2019 08:22

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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.

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Times When You Need Renters Insurance

by Administrator 24. May 2019 07:14

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Common Car Insurance Terms

by Administrator 30. April 2019 06:55

Being aware of commonly used terms when buying car insurance is extremely helpful. This knowledge can help you in choosing a suitable coverage. 

Following are car insurance terms that every buyer should be aware of:

  • Depreciation: This term refers to the decrease in the value of your car over time as you use it.
  • Premium: An amount that the policy holder pays to an insurer for covering the risks stated in the policy. It can be paid monthly, quarterly or every six months.
  • Deductible: It is the amount paid out of your pocket in case of damage prior to any reimbursement by the insurance company. Higher deductible results in lower monthly payments and vice-versa.
  • Collision Coverage: This is an optional coverage that covers damage caused to your vehicle as a result of colliding with another car or object. 
  • Comprehensive Coverage: This coverage pays for the damage caused to your vehicle due to reasons other than a collision. Some covered incidents are theft, broken windows, storms, striking with an animal or a falling object, etc.
  • Declaration Page: This is a page that mentions the summary of coverage you have, its limit & cost as well as information about the vehicle covered.
  • Liability Insurance: The minimum amount of insurance that every vehicle owner is required to carry. It covers damages and injuries caused to the other party due to your fault. It usually has three parts: bodily injury liability per person, bodily injury liability per accident and property damage liability. 
  • Medical Payments Coverage: Also known as MedPay, it covers the expenses for medical bills associated with an accident irrespective of who is at fault. Also, the coverage pays for funeral expenses in the event of death caused due to an auto accident.
  • Uninsured Motorist Coverage: It covers you and your co-passengers in case of injuries or death in an accident if the accident is caused by other driver who is uninsured.
  • Underinsured Motorist Coverage: If in an accident, other driver is at fault & he does not have enough insurance to cover your bills, then this coverage supports you.
  • Gap Insurance: It offers coverage if a vehicle whose lease or loan has not been paid off is stolen or damaged. The coverage protects you from ‘upside-down’ loan. It is also known as loan/lease payoff coverage.
  • Roadside Assistance: It is an add-on coverage that provides towing services in an event of flat tire, mechanical breakdown overheat, lockout and the like.

Shawn Camp Insurance Agency, Inc. offers auto insurance at affordable rates. Clients can also request instant online quote for their convenience. For more details about auto insurance in Killeen, call at (254) 526-0535. You can also visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas-76542. 


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How To Reduce Home Insurance Costs

by Administrator 25. April 2019 12:01

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Reasons Your Car Insurance Claim May Be Denied

by Administrator 22. April 2019 09:06

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Mistakes To Avoid While Buying Boat Insurance

by Administrator 26. March 2019 06:05

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Guide To Choosing The Right Motorcycle Insurance

by Administrator 19. March 2019 07:16

If you own a motorcycle, it is important to get it insured. Motorcycle insurance provides a financial cushioning to the owner in case of an accident and offers coverage against liabilities like bodily injury, property damage, comprehensive & collision, medical payments etc. The choice of motorcycle insurance depends upon numerous factors like the type and size of bike, rider’s history, etc.

Following are some points that can be helpful in choosing the right motorcycle insurance:

  • Knowledge About The Requirements: Before choosing a motorcycle insurance policy, you should research about the insurance requirements mandatory in your state. Most states require the motorcycle owner to have a basic liability insurance. However, you can buy additional coverage as per your individual need. 
  • Coverage Options: It is important to have thorough knowledge of the coverage options available in the market. You can choose from various motorcycle coverage options such as comprehensive coverage, uninsured/underinsured motorist, medical coverage, roadside assistance, etc.
  • Discounts: Insurance providers may offer various discounts to their clients based on factors like a clean driving record, a motorcycle rider training course, being a part of a motorcycle rider’s organization, additional safety accessories attached to the vehicle, condition of the motorcycle etc. Ask your agent if you qualify for any discount and provide proper documentation to support your qualification.
  • Know The Factors That Affect The Insurance Premium: The cost of motorcycle insurance is governed by numerous factors including personal factors like age and occupation of the rider, experience as a rider, previous riding record, ticketing history, area of residence etc. It is also affected by the type of bike (make and model), vehicle’s security features, safety ranking of the motorcycle, average usage of the motorcycle and more. Having thorough knowledge about these factors can help you choose the right insurance plan at the right price.
  • Look Into The Process Of Filing A Claim: Before choosing an insurance plan, you should know the process of filing a claim. Ask your insurance provider about the timeline and hierarchy of claim procedure. It is important to know the details such as the point of contact for filing the claim, waiting period, deductibles etc. 

Consider the various insurance plans available for you and choose the one that offers maximum coverage and hassle-free claims process at the right price. 

Shawn Camp Insurance Agency, Inc. provides affordable motorcycle insurance in Killeen, TX. Clients can choose from a wide range of coverage options or get a personalized coverage to fit their requirements. They can also request free online quote for desired coverage. To know more about motorcycle insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX-76542 or call at (254) 526-0535. 


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How Is Your Motorcycle Insurance Calculated?

by Administrator 11. March 2019 13:42

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Stolen Car Insurance Claim Process

by Administrator 28. February 2019 10:59

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