How to Choose Auto Insurance

by Administrator 29. May 2023 10:45



View PDF

Tags: ,

How To Decide Right Coverage Limit in Auto Insurance?

by Administrator 28. January 2023 09:08

There are various types of auto insurance coverage to choose from beyond the minimum requirements of your state. The right coverage limit for auto insurance depends on factors like the city you live in, your vehicle usage, vehicle’s worth and affordability.

Listed below are tips to choose the right coverage for auto insurance:

  • State Requirements: Every state has minimum auto insurance requirements and vehicle owners are required to meet with these requirements. In addition to the coverage complying with your state’s requirements, you may buy additional coverage to fit your needs.
  • Value of Vehicle: The coverage limit should be chosen such that it is able to cover the cost of repairs or replacement of the vehicle, if needed. Get your vehicle evaluated by professionals to find its current value. The vehicle’s value is governed by multiple factors such as its manufacturing company, model, features, build year, level of use, etc. Also, consider annual depreciation while deciding the vehicle’s value.
  • Medical Expenses: Consider the cost of medical assistance in your area before choosing the right medical coverage limit. In case, the medical expenses exceed your coverage limit, you would be required to pay them out of your pocket.
  • Property Damage Liability Coverage Limit: This insurance covers the cost of damage caused to other person’s property or vehicle. So, consider your assets & circumstances when choosing limit for this coverage type. Ask yourself if you drive around rural areas where most of the traffic consists of older vehicles or do you drive in areas where expensive vehicles constitute majority of the traffic. This will help you understand average cost of damage and repairs you would be levied upon for damage to other vehicle involved in an accident. Choose your coverage limit based on this average calculation.
  • Cost of Insurance: Value of coverage limit has a direct impact on the cost of insurance. Consult a good insurance agent to choose a policy that fits your budget. Ask your agent whether the insurance company offers discounts and incentives for a clean driving record, bundling insurance policies, installing an anti-theft device, etc.
  • Professional Assistance: Professional insurance agents can help in choosing the right insurance coverage limit. They are experience and equipped with the knowledge to help you make an informed decision.
Shawn Camp Insurance Agency, Inc. offers a combination of insurance services, products and payment options. It also allows its clients to customize insurance plans as per their individual requirements. To know more about auto insurance coverage in Killeen, call (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also browse through and get an instant online quote.

Tags: ,

FAQs About Auto Insurance

by Administrator 30. November 2022 02:41

If you own a car, you are probably planning for the best options of auto insurance near you. Auto insurance offers the protection you need against damages to your vehicle in case of an accident.

Listed below are some frequently asked questions regarding auto insurance which may be helpful in choosing the right auto insurance:

When to Buy Auto Insurance?

The right time to buy auto insurance is right after buying your car. In most states, it is illegal to drive a vehicle that has not been insured. The situation may also be financially draining in case of an accident.

Where to Buy Auto Insurance From?

The best place to buy auto insurance is a reliable and experienced insurance company in your neighborhood. Research on insurance options offered by the company, request an insurance quote and talk to their experts as to which insurance policy will be the best for your needs.

How Much Does it Cost?

The cost of auto insurance is governed by multiple factors. These factors include the coverage limit, type of vehicle, cost of vehicle, deductible, type of coverage, etc. The cost can also be reduced by using discounts such as no claims discount.

What Does Auto Insurance Cover?

It covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured/underinsured, motorist coverage, loan/lease payoff coverage, medical payments coverage, customer parts and equipment/accessory coverage, rental reimbursement, pet injury coverage and roadside assistance.

Will Compensation Be Provided to a Passenger?

The bodily injury and property damage liability will provide compensation for medical expenses and damages caused to a passenger. The amount of compensation depends upon the coverage limit bought by you.

What is Gap Insurance?

Gap insurance refers to the coverage provided for a Loan/Lease Payoff. The insurance coverage provides protection when a vehicle is stolen and cannot be recovered. The coverage is highly recommended for vehicles that are on lease or have a pending loan amount. This insurance can be bought only if the loan/lease is held by a bank/financial institution.

Auto insurance helps in providing a financial cushion against any losses that may be incurred due to an accident or other unforeseen events. Shawn Camp Insurance Agency, Inc. offers a wide range of auto insurance coverage options. The insurance buyers can also opt for personalized insurance to meet individual requirements. To know more about auto insurance in Killeen, contact Shawn Camp Insurance Agency, Inc. 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also log on to or call (254) 526 – 0535.

Tags: ,

Things To Know Before Buying Auto Insurance

by Administrator 22. March 2022 09:25

Tags: ,

Tips For Auto Insurance Claim Application

by Administrator 18. February 2022 19:22

Tags: ,

Tips On Choosing Motorcycle Insurance

by Administrator 28. January 2022 06:22

Every motorcyclist should consider investing in right type of motorcycle insurance for financial protection in the event of an accident. Motorcycle insurance is beneficial for breakdown coverage, liability coverage, medical payments coverage, collision coverage, uninsured coverage and more.

Listed below are some useful tips for buying motorcycle insurance:

  • Choose an Insurance Company: The first step before investing in an insurance policy is to compare the offerings of various insurance companies. For this insurance agency can let you know about the benefits and coverage details of each insurance. Things to consider when comparing what different insurance companies have to offer are the amount of coverage provided, eligibility, optional covers, exclusions, etc. Also, ask about the claim settlement process of the insurance company and assess its overall customer support. Always choose a reputable insurance company with many years of experience in the field.
  • Bundling Policies: A great tip for saving on your motorcycle insurance is to bundle it with additional insurance coverage from the same insurance company. Insurance companies usually offer higher discounts to customers who have purchased other policies from them so consider asking your insurance company about its policies regarding the pricing of bundled insurance coverage.
  • Extra Reductions: You may earn some extra reductions if you can show that you have a safe storage location for your bike and are taking extra precautions to protect it from theft and damage. Fitting your motorcycle with anti-theft equipment like alarms and disc locks also help in reducing insurance coverage prices. However, before investing in any add-on safety equipment, confirm with your insurance company about the amount of savings you get to enjoy in case of such investments.
  • Evaluate Deductible Values: Deductible value refers to the cost of repairing or replacing a bike that the owner of a bike has to pay at the time of making a claim. When buying an insurance policy, ask your insurance company about the amount of deductible that you will have to pay as this will directly impact the amount of premium to be paid for the insurance policy.
  • Factors that Impact Insurance: The amount you pay for motorcycle insurance will depend on a number of factors such as your history as a rider, type, size and value of your motorcycle. 
Visit Shawn Camp Insurance Agency, Inc at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542 or call at (254)-526-0535 for customized Motorcycle Insurance Coverage in Killeen, TX

Tags: ,

Why Is Auto Insurance Important?

by Administrator 28. June 2021 09:52

Every state has minimum requirements for auto insurance that every auto vehicle owner is required to fulfill. One may purchase more than the state’s minimum requirements for higher coverage limits. Auto insurance is necessary for protection from costs associated with a vehicle’s accident e.g. legal fees, medical expenses, etc.

Listed below are the reasons for buying auto insurance:

  • Protection From Costs Of Repairs: Those who purchase comprehensive and collision auto insurance enjoy complete protection from damage caused by things like rocks, falling trees, storms, lightning, accidents with animals and more. Your insurer pays for the losses incurred (up to coverage limit) and takes care of any repairs required.
  • Peace Of Mind: The fact that you and your family are protected against monetary losses due to damage to your vehicle, lets you enjoy peace of mind. You do not have to worry about the expenses in case of an accident or any other kind of damage.
  • Protection Of Passengers: Apart from offering you complete protection for medical payments and PIP in case of an injury, auto insurance also helps to pay for medical bills for passengers in your vehicle. It caters to expenses incurred on doctor bills, hospital visits and costs of surgery.
  • Personal Injury Protection (PIP): Auto insurance provides coverage for expenses such as lost wages, medical bills and so on irrespective of whose fault it is. Every state has different requirements for this coverage.
  • Damage To Insured Vehicle:  Auto insurance offers compensation for damage caused to a vehicle due to fire, accident, theft, burglary, riots, terrorism, etc. An insured vehicle also enjoys protection when in transit (inland waterways, road, rail, air or lift).
  • Legal Protection: An insured vehicle’s owner that faces legal liabilities due to death or bodily injury of a third party enjoys protection via auto insurance. If you want more coverage for legal expenses, loss of earnings, loss of possession, etc., you can purchase additional coverage.
  • Roadside Assistance: One can also purchase roadside assistance coverage for issues like a flat tire, overheating, dead battery, mechanical breakdown, insufficient fuel/gas, entrapment in mud, snow, water or sand and more. The insurance also covers expenses of labor at the site and is available for 24 hours a day.
  • Pet Injury Coverage: Auto insurance also provides coverage for injuries to pets due to an auto accident. A certain amount of coverage is provided for pets on a ride in an insured vehicle.
Shawn Camp Insurance Agency, Inc. offers affordable auto insurance coverage in Killeen, TX. The agency allows customers to request free online quote for insurance coverage chosen by them. To know more about reasons to buy auto insurance coverage in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

Tags: ,

Guidelines For Millennials To Pick The Right Auto Insurance

by Administrator 18. June 2020 09:53

Technology and abundance of information have made it easier to choose appropriate auto insurance as per one’s budget and requirements. Millennials, interested in auto insurance, can choose from a variety of options as per coverage options and price. However, it is important to consider a few factors for choosing the suitable auto insurance plan.

Guidelines that will assist millennials to find the right auto insurance plan are:

  • Good Credit: The insurance company will consider a prospective customer’s credit ratings to determine the amount of premium. Millennials, who are planning to purchase auto insurance, should check their credit score regularly to ensure it is on the higher side.
  • Look For Discounts: The insurance company may also offer discounts such as discount for vehicles that have installed anti-theft devices, young drivers and students discount, employer discounts, auto-pay discount, discount for customers who are members of a particular organization/group, etc. So, millennials should ask the insurance provider to see if they are eligible for any discount.
  • Deductible: This refers to an amount that the buyer agrees to pay out of his pocket for covering any expenses before insurance company pays the remaining amount. It is advisable to choose a suitable deductible as it will impact the amount of premium.
  • Coverage: Common insurance coverage options are Bodily Injury and Property Damage Liability, Comprehensive and Collision Coverage, Uninsured/Underinsured Motorist, Loan/Lease Payoff Coverage, Medical Payments Coverage, Roadside Assistance, etc. The insurance company will also provide options to personalize the insurance package to cover expenses that are relevant to the buyer.
  • Type Of Vehicle: A high-end vehicle is likely to cost more in terms of insurance premiums as compared to basic vehicles. So, before finalizing the insurance plan, ask the insurance provider about the insurance rates of different vehicles.
  • Driving Training: Consider enrolling for a driving course as the insurance company may offer discounts to customers with an approved/accredited driving course like a defensive driving course or an accident prevention course.

The agents at Shawn Camp Insurance Agency, Inc. assist millennials to choose the right auto insurance plan. Customers can choose from coverage including Bodily Injury and Property Damage Liability, Comprehensive and Collision Coverage, Uninsured/Underinsured Motorist, etc. For more details on guidelines for millennials to pick the right auto insurance, visit 2705 E. Stan Schlueter Loop, Suite 101
Killeen, TX – 76542. You can also call at (254) 526 – 0535.

Tags: ,

Questions You Should Ask Yourself Before Buying Auto Insurance

by Administrator 23. May 2020 14:20

Tags: ,

What Determines The Cost Of Auto Insurance

by Administrator 30. January 2020 09:09

Tags: ,

Tag cloud

Month List