Having an insurance policy can protect your home, vehicle as well as other valuable assets from theft, vandalism and various natural disasters. However, you may have certain queries while choosing an appropriate policy. Listed below are some questions which you must ask your insurance agent to make the right decision:
What kind of coverage do I need?
You should analyze your requirements and budget before choosing an insurance policy. There are various types of coverage such as liability, medical payments, umbrella coverage, comprehensive and collision coverage etc. Make sure you pay only for the coverage that you absolutely require.
What is the procedure for filing a claim?
To file a claim, you can call your insurance agent as soon as possible. All relevant documents should be submitted to the insurance provider so that you can get the claim easily. In case of police involvement, paperwork from their end may also be required. Your insurance agent will provide you complete guidance in filing a claim.
How can I save money on insurance?
You can get tips from your insurance agent to reduce your premium. If you have undertaken a safety course and have airbags or anti-lock brakes in your vehicle, you can get discount on your auto insurance policy. Opting for a higher deductible can also reduce your premium amount.
How can I make my premium payments?
Once the premium amount is fixed, you will be asked to choose the payment method for the premiums. You can either pay by check, cash or online. Your insurance provider will give you a date by which the payment must be made every month.
How much will it cost?
The cost of insurance depends on the type of policy you choose. If you need complete coverage for your home or vehicle, you may have to pay more. Make sure you choose the coverage options according to your requirements.
What effect does my credit history have on my insurance?
Having a good credit record can help you improve your creditworthiness. So clear off your debts and pay your bills on time to improve your credit score as this can help you save money on your insurance. You can contact your insurance agent for more details.
We, at Shawn Camp Insurance Agency, Inc., provide affordable insurance in Killeen, TX. For more information about coverage options, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.