How To Reduce Your RV Insurance Rates In Killeen

by Administrator 22. April 2016 10:53

Recreational Vehicle (RV) insurance saves you from financial liabilities if your gets damaged in an accident. It is important that you buy the right coverage to protect your RV as well as your prized possessions stored in it. However, knowing the factors that can affect the insurance costs can help you make huge savings. 

To lower your RV insurance costs, you may consider the following points:

  • Deductible amount: If you choose a higher deductible, you will have lower premiums. However, you must keep the deductible low enough that you can conveniently pay in the event of an accident.
  • Clean credit score: If your credit score is strong, your rates will be lower. Have a clean track record when it comes to tax payments or installments payouts. Keep a check on credit reports from time to time to ensure you get the best deal.
  • Type of RV: Generally a more expensive RV will require higher insurance premium. Towable RVs have lower interest rates than others. You should keep these considerations in mind while buying the RV to avoid buying higher premiums in the long run. 
  • Use of vehicle: People who live in the RV will need a different type of coverage than those who use it occasionally. Also the place where you live and the purpose for which you use the RV will impact your coverage plan. 
  • Install safety devices: Insurance company will give due consideration to safety devices that owners install in their vehicle. Alarms or security locks reduce the chances of a theft and make your vehicle more protected.
  • Driving caliber: Experienced drivers are likely to get better rates as they are trusted to be safe on the road both for their own vehicle as well as others. If you furnish a driving training school certificate, it may lower your insurance premiums.
  • Multi-policy discount: If you have an auto or home insurance already running from a company, ask them to bundle the insurance policies so that you are eligible for a discount.

Working with an experienced insurance agent will help you keep your rates under check. They will examine all factors including your age, marital status, home ownership and gender to get you the best rates that will suit your needs. Compare multiple agents before you make up your mind on one.

For more details about RV insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We can be reached at (254) 526 – 0535. 

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Killeen Home Insurance - What Does It Cover?

by Administrator 15. April 2016 12:39

A home insurance policy provides coverage in the event of damage that occurs to your home or the belongings inside it. You also get coverage for all the legal expenses if you or any of your family members cause injury to a guest inside your home. Different kind of insurance policies offer varied levels of protection. Buy a home insurance policy depending on the type of coverage you require.

Below is a list of the coverage offered under a home insurance policy:

  • Protection for your home: Any unexpected incident can cause damage to your house and its belongings. A home insurance policy will provide you financial protection in such situations. Apart from your home, any attached structures such as garage or storage shed etc. are also covered under the homeowners insurance policy.
  • Protection for personal property: The insurance policy provides protection to the belongings inside the home. You will be eligible to claim coverage if your personal items are lost, damaged or stolen. Therefore, it is imperative to have a clear idea about the monetary value of your personal properties. Most of the home insurance policies have a dollar limit up to which they provide protection. So, you may need to raise this limit to get adequate protection for all your belongings.
  • Bodily injury liability: This type of coverage helps during instances where someone is accidentally injured inside your property. For example: a person can slip off the stairs or trip on a pile of boxes etc. Bodily injury liability can help you in paying all the medical bills and the attorney fees associated with any case that the other party may file against you.
  • Protection from natural calamities: It is noticeable that all the natural disasters are not covered under a home insurance policy. However, most of the policies provide protection in case of damage caused to the home due to fire, lightning, windstorms, hail etc. Generally, damages occurred due to earthquakes and floods are not covered under the policy. For this, you may require additional coverage to fully protect all your household items.
  • Additional living expenses: This type of coverage offers protection in case you have to temporarily move out of your home. The insurance policy will pay for your accommodation, restaurant bills and other living expenses till your home is restored.

Contact Shawn Camp Insurance Agency, Inc. to buy home insurance in Killeen, TX. Our agents will compare the coverage options offered by different carriers and help you choose a suitable insurance plan. For more information, call at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Tips To Lower Your Boat Insurance Rates In Killeen

by Administrator 8. April 2016 12:23

If you are looking to invest in a boat, make sure you have it insured. While it is not mandatory, having an insurance policy will save you a lot of money and hassle in the event of a mishap. Insurance is also necessary if you are looking to finance the boat purchase.

Following are ways you can make your boat insurance affordable:

  • Boat selection: Just like other motor vehicles, luxury boats will cost more to insure. The insurer will look at the maximum speed of the boat and length to horsepower ratio to arrive at this cost. A high speed boat is prone to accidents hence it will need to be insured at a higher price. Also, if you have bought an old model or a second hand boat, your premium may go up. Keep these factors in mind while purchasing a boat.
  • Cut the accessories: If you have lots of accessories along with the boat, your monthly premium will be higher as they will have to be replaced in case of any damage.  A mid priced boat with the basic amenities can help you bring down the insurance rate.
  • Join a safety course: Many insurance companies extend special discounts to people who have done a professional course in boating safety. This assures them that you will drive the boat safely hence lowering the chances of accidents.
  • Safety gear: If you have GPS or other safety gear installed on the boat, you may be eligible for further discounts. Investing in these devices will not only increase your safety but also lower the insurance premium.
  • Good track record: If you have a clean driving record, you may be able to get a better deal for boat insurance. Your monthly premium will go up if your license indicates that you are reckless driver.
  • Compare quotes: It is best to first compare all rates, discounts and offers that multiple agents are offering. Ask them to simplify the terms and coverage options offered by different policies so you can choose the one that perfectly fits the bill.

You may also bundle your other policies like home or auto insurance with your boat insurance. Check with the existing insurance agency if they offer you a special rate and discount for doing so.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of boat insurance policies in Killeen, TX. For details about the coverage options, call at (254) 526 – 0535.

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