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Life is uncertain, you never know what you would encounter the very next moment. Thus, it is important to protect yourself, your family and some of your most prized possessions from any risk or damage. Buying an insurance policy cannot avert the risk altogether but can certainly help you overcome the financial loss that arises along. Today, there are a variety of insurance policies available in the market, each protecting a certain group of people from a specific peril. Here we have listed certain insurance policies that everyone should have, just to play safe.

• Home Owners Insurance – It is important to get home owners insurance policy to safeguard the property in case of loss arising out any unforeseen event in future. The insurance company ensures your house from any damage. If any untoward event like fire, storm or some other natural calamity happens and you are forced to move out temporarily while your house is being repaired, the policy covers your cost of living somewhere else for that time. It also covers your liability towards third party for any loss or damage that occurred on your property premises.
• Life Insurance – You would certainly not want your family to face the financial havoc after you die. Life insurance policy protects your family and people who are financially dependent on you when you leave for the heavenly abode.  There are a variety of life insurance policies to choose from like term policy, whole life policy, endowment policy etc.
• Auto Insurance – No matter whether you steer away in your new car or drive the old clunker off the roads, the law requires you to have a certain minimum amount of auto insurance. Choose a policy that covers you against theft, fire or loss due to riot & strike, medical expenses associated with the accident, damage caused to the automobile and also third party body injury and property damage liability.
• Motorcycle Insurance – With all the cool and swag, comes an extra responsibility while you vroom your motorcycle on the streets. It is important to get a motorcycle insurance to cover bodily injury and property damage liability towards third party in case of a collision. In case you meet with an accident, it covers the damage of your vehicle as well reimburses you for the medical expenses. It also insures any loss that may arise out of theft.
• Health Insurance –There is absolutely nothing more important than your health.  Everyone needs medical care but not everyone can afford to pay the hefty bills.  The high rising medical costs validate the need of having a health insurance policy. So plan out the amount of coverage you and your family would need depending upon the number of members and the past medical history. 

We, at Shawn Camp Insurance Agency, Inc. provide affordable insurance policies. For more information visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542 or call at (254) 526 - 0535.

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Regularly maintaining you car well translates to fewer accidents on the road and this consequently affects your insurance premium. Fewer insurance claims may bring down your insurance premium or maybe an annual discount from your insurance provider. Therefore, make an effort to have a clean driving record and ensure that your car is in optimum working condition always.

Some simple car maintenance tips that can lower your insurance premium are:

• Tires: Switch or rotate your tires often so as to guarantee even wear and tear. The time between two rotations entirely depends on your car model, tire type and usage. Regular rotation will not only prolong the life of your tires but also enhance your vehicle’s performance. Winter tires are a must for those residing in areas that receive heavy snowfall. The tread pattern and rubber used in these tires is perfect for driving in snowy conditions.
• Oil: The number of miles you require between oil changes depends on the type of oil used in your car. The car make and model are other significant factors that determine the time period between oil changes. Regular oil changes ensure that you get better gas mileage and an improved engine performance. It is best to use high quality oil to remove debris from the engine and keep it running smoothly.
• Lights: The headlights, brake lights and tail lights need to be in the best working condition to avoid any accident on the road. Clean and fully functional lights are important to communicate with other drivers on the road. Remove dirt or snow accumulated on the car lights and change any faulty bulbs as soon as possible.
• Filters: The engine air filter must be completely clean because it affects the performance of your car. The air filter helps in stopping the entry of any dirt or debris into the car engine and causing damage. Prolong use of a dirty filter will reduce the car mileage, so change the air filter after every 35,000-40,000 miles.
• Brakes: The brake pads and shoes also experience wear and tear and need to be changed after a period of time. Check the brakes regularly to detect any changes or unwanted noises. Pay attention to any screeching or grinding noises and make a trip to the mechanic at the earliest. There can also be a warning sign on your dashboard to indicate some problem in the brakes.
• Belts: The function of the timing belt is to rotate the crankshaft and camshaft so that they work in tandem with each other. This ultimately helps in smooth functioning of the engine valves and keeps your vehicle in good working condition. Any fault in the timing belts can cause serious damage to the engine, so replace the belts after every 60,000 to 100,000 miles.

For affordable car 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.

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Teen driving comes with its own set of potential risks on the road. Apart from the safe and responsible driving, it is also imperative to have a requisite insurance policy. Teen driver insurance costs are high owing to the high risk factor that it poses for the insurance companies. However, there are a number of ways that can help in saving money on teen driver insurance. It is important to be aware about what you can do to get a comprehensive teen driver insurance policy without putting a load on your pocket.

Since adding a teen driver to your car insurance policy can bring in additional costs, you can implement the following ways to reduce the expenditure:

• Encourage your teen to get good grades: There are a number of car insurance companies that offer discounts to teenagers who earn top grades in high school or college. However, only those students qualify for the discount who are enrolled full-time in high school or college. Teenagers getting education through an academic home-study program are also eligible for teen driver insurance discount. The amount of discount provided by the insurance company can differ from one state to the other.

• Get your teen enrolled in a driving course: The number of teenagers involved in road accidents is quite high as compared to drivers of any other age group. Therefore, it is best to get your teen enrolled in a safety course that can give him/her the requisite experience for driving on road. Moreover, this can help in providing teen driver discounts on the insurance policy as a safety course eventually reduces the risk of accidents or collisions on the road.

• Get an old or used vehicle for your teen: The type of car being driven is one of the major factors that contribute towards determining the premium rates. Therefore, luxury vehicles, sports cars or other brand-new cars will have higher premium insurance rates. So it is best to opt for a low-end model or a used vehicle while handing over the car keys to your teen.

• Get safety features installed in the car: Cost-saving safety features such as anti-theft alarm and electronic stability control can go a long way in bringing down the insurance costs. These insurance discounts can vary from one state to the other, so it is best to check out with your insurance provider regarding discounts for including safety features in your four-wheeler. Not only will you get financial savings, but your teenager will also be fully-protected while driving on the road.

• Use technology to keep a track on teen driving: There are many insurance companies that offer electronic devices for keeping a check on teen driving habits. These devices can be easily installed under the car’s dashboard and keep a tab on how someone drives. An online report card is generated that can be monitored by families to regulate teen driving. The drivers who meet certain benchmarks in terms of miles covered, number of hours driven, frequency of brakes applied and speed limits can get up to 30% discount on insurance premiums.