Times When You Need Renters Insurance

by Administrator 24. May 2019 07:14

Tags: ,

Common Car Insurance Terms

by Administrator 30. April 2019 06:55

Being aware of commonly used terms when buying car insurance is extremely helpful. This knowledge can help you in choosing a suitable coverage. 

Following are car insurance terms that every buyer should be aware of:

  • Depreciation: This term refers to the decrease in the value of your car over time as you use it.
  • Premium: An amount that the policy holder pays to an insurer for covering the risks stated in the policy. It can be paid monthly, quarterly or every six months.
  • Deductible: It is the amount paid out of your pocket in case of damage prior to any reimbursement by the insurance company. Higher deductible results in lower monthly payments and vice-versa.
  • Collision Coverage: This is an optional coverage that covers damage caused to your vehicle as a result of colliding with another car or object. 
  • Comprehensive Coverage: This coverage pays for the damage caused to your vehicle due to reasons other than a collision. Some covered incidents are theft, broken windows, storms, striking with an animal or a falling object, etc.
  • Declaration Page: This is a page that mentions the summary of coverage you have, its limit & cost as well as information about the vehicle covered.
  • Liability Insurance: The minimum amount of insurance that every vehicle owner is required to carry. It covers damages and injuries caused to the other party due to your fault. It usually has three parts: bodily injury liability per person, bodily injury liability per accident and property damage liability. 
  • Medical Payments Coverage: Also known as MedPay, it covers the expenses for medical bills associated with an accident irrespective of who is at fault. Also, the coverage pays for funeral expenses in the event of death caused due to an auto accident.
  • Uninsured Motorist Coverage: It covers you and your co-passengers in case of injuries or death in an accident if the accident is caused by other driver who is uninsured.
  • Underinsured Motorist Coverage: If in an accident, other driver is at fault & he does not have enough insurance to cover your bills, then this coverage supports you.
  • Gap Insurance: It offers coverage if a vehicle whose lease or loan has not been paid off is stolen or damaged. The coverage protects you from ‘upside-down’ loan. It is also known as loan/lease payoff coverage.
  • Roadside Assistance: It is an add-on coverage that provides towing services in an event of flat tire, mechanical breakdown overheat, lockout and the like.

Shawn Camp Insurance Agency, Inc. offers auto insurance at affordable rates. Clients can also request instant online quote for their convenience. For more details about auto insurance in Killeen, call at (254) 526-0535. You can also visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas-76542. 


Tags: ,

How To Reduce Home Insurance Costs

by Administrator 25. April 2019 12:01

Tags: ,

Reasons Your Car Insurance Claim May Be Denied

by Administrator 22. April 2019 09:06

Tags: ,

Mistakes To Avoid While Buying Boat Insurance

by Administrator 26. March 2019 06:05

Tags: ,

Guide To Choosing The Right Motorcycle Insurance

by Administrator 19. March 2019 07:16

If you own a motorcycle, it is important to get it insured. Motorcycle insurance provides a financial cushioning to the owner in case of an accident and offers coverage against liabilities like bodily injury, property damage, comprehensive & collision, medical payments etc. The choice of motorcycle insurance depends upon numerous factors like the type and size of bike, rider’s history, etc.

Following are some points that can be helpful in choosing the right motorcycle insurance:

  • Knowledge About The Requirements: Before choosing a motorcycle insurance policy, you should research about the insurance requirements mandatory in your state. Most states require the motorcycle owner to have a basic liability insurance. However, you can buy additional coverage as per your individual need. 
  • Coverage Options: It is important to have thorough knowledge of the coverage options available in the market. You can choose from various motorcycle coverage options such as comprehensive coverage, uninsured/underinsured motorist, medical coverage, roadside assistance, etc.
  • Discounts: Insurance providers may offer various discounts to their clients based on factors like a clean driving record, a motorcycle rider training course, being a part of a motorcycle rider’s organization, additional safety accessories attached to the vehicle, condition of the motorcycle etc. Ask your agent if you qualify for any discount and provide proper documentation to support your qualification.
  • Know The Factors That Affect The Insurance Premium: The cost of motorcycle insurance is governed by numerous factors including personal factors like age and occupation of the rider, experience as a rider, previous riding record, ticketing history, area of residence etc. It is also affected by the type of bike (make and model), vehicle’s security features, safety ranking of the motorcycle, average usage of the motorcycle and more. Having thorough knowledge about these factors can help you choose the right insurance plan at the right price.
  • Look Into The Process Of Filing A Claim: Before choosing an insurance plan, you should know the process of filing a claim. Ask your insurance provider about the timeline and hierarchy of claim procedure. It is important to know the details such as the point of contact for filing the claim, waiting period, deductibles etc. 

Consider the various insurance plans available for you and choose the one that offers maximum coverage and hassle-free claims process at the right price. 

Shawn Camp Insurance Agency, Inc. provides affordable motorcycle insurance in Killeen, TX. Clients can choose from a wide range of coverage options or get a personalized coverage to fit their requirements. They can also request free online quote for desired coverage. To know more about motorcycle insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX-76542 or call at (254) 526-0535. 


Tags: ,

How Is Your Motorcycle Insurance Calculated?

by Administrator 11. March 2019 13:42

Tags: ,

Stolen Car Insurance Claim Process

by Administrator 28. February 2019 10:59

Tags: ,

Questions To Ask Your Insurance Provider

by Administrator 25. February 2019 10:55

Tags:

Motorcycle Insurance in Killeen: The Checklist

by Administrator 22. February 2019 11:49

Motorcycle insurance covers financial losses that may ensue from accidents on the road while riding a motorcycle. This insurance usually covers medical bills, third party injuries, motorcycle replacement costs, roadside assistance, state-by-state required coverage, guest passenger coverage, uninsured/underinsured motorist coverage and collision coverage. Creating a checklist before renewing or shopping for a motorcycle insurance plan can be helpful for getting it at the best price.

Following is a checklist worth considering before purchasing or renewing a motorcycle insurance in Killeen, TX:

  • Personal Information: Gather personal details such as your home address, age, occupation, annual mileage, period for which you have been a resident of the country, etc. beforehand.
  • Motorcycle Details: You should also have all the details of your motorcycle such as its make, model, year of manufacturing, current mileage, an estimate of its current value, accessories fitted and their value, modifications such as exhausts, custom painting, engine work or upgraded breaks and more. You may also be required to provide details such as where the motorcycle is parked when not in use e.g. in the garage, on the street, your driveway, etc.
  • Insurance Coverage: Details regarding the insurance coverage of your motorcycle such as whether it is a fully comprehensive coverage or limited to third party, fire or theft. You should also know the amount you have paid previously, an idea of the renewal quote you want, when you would like the coverage to start, whether you require legal coverage, plan to ride the bike overseas, require a courtesy bike or need breakdown coverage.
  • Riding History: Information regarding your riding history is also considered at the time of getting motorcycle insurance. This includes the date on which you cleared the bike test, proof of No Claim’s Discount, information about any pending convictions, refusal of insurance in the past or any special terms imposed, advanced riding courses that you have passed and the date on which you passed them.
  • Prior Accident History: In case you have a history of an accident with the motorcycle, gather details regarding the same e.g. whose fault it was, the insurance provider of the other party, amount of claim paid if any, etc.

This checklist will prepare you for smoothly proceeding with the insurance process of your motorcycle. With this information on hand, you can alternatively get free online quotes and compare prices of various insurance plans.


For further information on affordable motorcycle insurance in Killeen, TX contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542 or call at (254) 526-0535.

Tags: