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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.

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.

Auto insurance policies, when not planned out carefully, can have dangerous gaps in coverage that leave the policyholder at risk for financial problems after an accident, theft, fire or other insurable incident. This year, update your auto insurance policy to consider the following:

Is your limit on pace with car repair costs and value? Auto repair costs don’t always stay the same from year to year; labor, parts and shipping costs can all change drastically leaving you little actual recompense from your policy unless you adjust your limits. Work with your agent to determine what your limits should be based on these expenses and your Kelley Blue Book value.

Do you have enough coverage for the average liability claim? Your automobile coverage will offer you protection from both bodily injury and property damage liabilities, but will it offer you enough? Talk to your agent about a limit that gives you protection based on current-day claims averages and talk about the possibility of adding an umbrella policy for your auto and home liabilities.

Do you need uninsured motorist coverage? You may be insured, but that doesn’t mean every motorist on the road is. Uninsured or underinsured motorist coverage supplements your damages when the person who causes your accident doesn’t have the insurance policy to pay them.

Can you reduce your overall risk exposure? If you’ve just gotten state-required coverage then you’re doing little to protect your own interests in an accident. Without collision and comprehensive you could be exposed to financial losses after an accident, theft, vandalism, fire or other natural disaster.

How affordable are those deductibles? Make sure your deductibles are still practical for your lifestyle. After a job loss, big expense or other life change, large deductibles can become a greater burden than they initially were.

Do you need to add roadside assistance? A breakdown, flat tire, or depleted gas tank can happen to anyone. If you don’t currently have roadside assistance on your policy, don’t wait until you wish you did before you add it.

Should you add loss of use? If you can’t use your car after an insurable incident damages it, how are you going to run errands, get to work and bring the kids to school? With loss of use coverage, your auto policy can keep you on the road by paying your emergency rental car expenses.

We have all the tools you need to compare premiums, set limits and deductibles and choose coverage options. Give us a call to complete your annual auto insurance review and you can start 2012 out on the right foot.

Call us today at (254) 526-0535 to make sure your car insurance in Killeen Texas is up to par or visit our office.