Tips To Reduce Car Insurance Renewal Cost

by Administrator 17. December 2018 08:58

Car insurance can either be auto-renewed by the same insurance company at the completion of the term or you can choose an insurance by a new company, if not satisfied with the services or if you are getting better offers and prices elsewhere. It is important to note that on renewal, the premiums may be altered by the company, making it costlier than before.

The following are some important tips to keep in mind so as to reduce the cost of the car insurance renewal:

  • Renew The Insurance Before Its Expiry: A new insurance may cost more than the insurance you currently have. To avoid getting into such a situation make it a point to renew the existing one before it expires.
  • Do Some Research: If the time for renewal of your insurance is approaching and the premium has gone up considerably, start researching and get the quotes from different insurance companies. This may help you find an insurance with a lower premium.
  • Mention The Correct Insured Declared Value: When renewing your car insurance, mention the correct IDV as that will help in optimizing the premium. Considering that the value of your car depreciates by 10 percent at every renewal, mentioning the correct IDV will lower the amount of premium. Other details that should be mentioned correctly for a fair premium are - manufacturing year, any previous insurance claims etc.
  • Raise Your Deductibles: Deductibles refer to the amount that you will pay before the insurance company takes over in the event of an accident, theft or some other damage. The higher this amount, the lower the premium amount and vice-versa. Consult your insurance agent for knowing the suitable amount of deductible in your case.
  • A Clean Driving Record: A good driving record may do wonders in convincing your insurance company to reduce your premium on renewal. Always work on improving your credibility by being responsible in your personal life.
  • Install Anti-Theft Devices: By installing anti-theft devices, you can significantly lower the amount of premium you pay to your insurance company. Car alarms and LoJacks are examples of devices that can be installed in furtherance of this motive.
  • Ask Questions: Never hesitate to ask your insurance agent about ways in which you can lower the cost of your car insurance on renewal. You may end up learning about some really useful cost saving ideas. Sometimes there are special offers for employees of a certain company and even for military personnel. Ask to know whether you qualify for any offer.

For further information on affordable Car Insurance in Killeen, TX contact Shawn Camp Insurance, Inc. at (800) 212-2641 or visit https://www.shawncampinsurance.com/. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.


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Custom Parts or Accessory Coverage

by Administrator 30. November 2018 08:54

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Reasons To Take RV Insurance

by Administrator 24. November 2018 13:31

RV, also known as Recreational Vehicle, needs special insurance coverage as compared to other automobiles. This is because they are on the road for a longer period of time and that too on different terrains. Vehicles that come under RV are travel trailers, camper vans, motorhomes, etc. It is important to get the right RV policy so that you don’t have to worry about constant repairs or finances.

An RV insurance covers personal property and belongings inside the RV at the time of traveling like laptops, cell phones, TV, dishware, etc., personal attachments like a satellite dish, awnings etc., uninsured motorist coverage, collision expenses, full replacement in case of theft or destruction, medical payments, costs of an RV in storage, things outside of collision e.g. falling objects, fire, natural disasters, theft and more.

Following are some reasons due to which getting RV insurance in addition to auto insurance is highly recommended:

  • State Requirement: Most of the states require some form of insurance for recreational vehicles. If nothing else, at least a driver should have minimum level of RV insurance.
  • Financial Protection: Accidents can cause major financial setbacks. RV insurance can protect you from this. Insurers offering RV coverage have well-trained representatives with expertize in calculating the amount of damage to RVs and writing estimates. RV insurance also covers parts of RV like stairs, slide outs, awnings and appliances.
  • Roadside Assistance: Normal auto insurance policies do offer roadside assistance coverage, but not for RVs. Even if they cover the RVs in their policies, the cover does not include all the expenses incurred to resolve roadside breakdown. If you have RV insurance, such expenses are fully covered.
  • Personal Property Protection: Most RV drivers live in them for long durations. Due to this, they keep items of daily use such as laptops, jewelry, camcorders etc. in the vehicle. So naturally, the risk associated with theft and damage is pretty high. However, if you have RV insurance, you know you are safe and will be compensated for any kind of loss.
  • Investment Protection: Investing in an RV involves a major amount of money. Some RV insurances offer full replacement cost coverage. In this case, if your vehicle is damaged to the extent of being irreparable; you can get its full value.
  • Covers Costs Of Living: If your RV is damaged during a trip and you have to reside elsewhere while it is getting repaired, some RV insurance options may cover your lodging and transportation 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.


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Overview Of Boat Insurance In Killeen

by Administrator 16. November 2018 09:01

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Reasons To Opt For Renter's Insurance

by Administrator 30. October 2018 14:20

It is important to note that property owners are not bound to insure their renter’s personal property and liabilities. A smart renter knows the importance of obtaining renter’s insurance for adding a layer of protection to their belongings.

People seem to be more aware about homeowners insurance as compared to renter’s insurance and that’s probably why they fail to give it due importance. Here are some reasons for which every renter should consider getting renter’s insurance:

  • Affordable: Renter’s insurance is one of the most pocket friendly insurances out there. It’s sure to cost less than the value of your belongings.
  • Covers Losses To Your Personal Property: Personal property comprises of jewelry, furniture, electronics, luggage, etc. In case of a theft or damage due to natural perils, a riot, explosions, windstorm, hail, water, etc., replacing all your belongings can be an expensive affair. It is in such cases that renter’s insurance proves to be of immense value. However, note that losses that arise from floods and earthquakes are not covered by standard renter’s insurance policies.
  • Includes Liability Coverage: Liability coverage is an intrinsic part of standard renter’s insurance policy. It covers the costs incurred due to accidental injuries to people in the house, court fees, legal expenses and so on.
  • Some Property Owners Demand It: Most property owners these days have made it mandatory for tenants to purchase the renter’s insurance policies and even require proof of the same.
  • Covers Your Personal Belongings Even When You Are Away: If you are out and about travelling often, this policy is a must-have as it covers personal belongings in your car, home or with you while travelling. You are protected from all the losses covered under the policy even as you travel.
  • Covers Additional Living Expenses: On a peril befalling you and your house, the renter’s insurance will cover any expenses that you incur while living away on a temporary basis as you look for a new accommodation. In addition to the living expenses, even food expenses and other additional expenses on living are covered.
  • Covers Guest’s Injuries: In addition to your interests, renter’s insurance also protects the interests of your guests. They may get injuries of any kind while staying at your place. So, renters’ insurance will cover you, thus protecting you from liabilities arising from such incidents.


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.

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Insurance Policies Offered By Shawn Camp Insurance Agency Inc.

by Administrator 22. October 2018 06:43

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Roadside Assistance: What Is It & Why Do You Need It

by Administrator 16. October 2018 11:55

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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.


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RV Insurance Coverage Options

by Administrator 24. September 2018 14:11

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Steps For Filing A Claim For Vandalism Damage

by Administrator 14. September 2018 08:19

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