If your kids are about to reach their driving age, you need to take the tough decision whether to include them in your auto insurance policy. Adding a teenager in the auto insurance policy can raise the premium amount but will still cost less as compared to buying a separate policy. Since teens are at a higher risk of getting involved in an accident, the insurance companies may quote higher premium rates for insurance.

Given below are certain tips for buying car insurance for teenagers:

• Maintain a good grade: For high school or college students, keeping a good attendance and a high grade-point average can fetch a discount on car insurance. You need to get in touch with your insurance agent to know about the details as eligibility for such discounts may vary from one company to another.
• Drive safely: Getting enrolled in a driving course may also make a teen eligible for lower car insurance premiums. A responsible and attentive driver is less likely to cause an accident, minimizing the likelihood of filing a claim. On the other hand, speeding tickets or violation of traffic rules can put a dent on your driving record and increase the insurance rates. The penalties for drunk driving are even higher and directly impact your insurance premiums.
• Choose the right car: Another factor that has a great bearing on the insurance rates is type of car being driven by the teenager. The vehicle’s make, model, engine capacity etc. are some of the things that should be taken into account. In simple terms, the more expensive your car, higher will be the premium rates. Some insurance providers also offer premium discounts for installing up-to-date safety features in your car such as airbags and anti-theft devices.
• Buy a separate auto insurance policy: In some instances, it may be cheaper for a teen to buy a separate car insurance policy. If both the parents own very expensive or luxury cars and the teenager is going to drive a different car, it is better to opt for a separate car insurance policy as it may turn out to be cheaper.
• Raise your deductible: Deductible is the amount of money required to be paid by you in case of an accident. After the deductible limit, all the expenses are paid by the insurance company. It is best to opt for a higher deductible as this will also bring down the car insurance premium rates.

If you are looking for an affordable car insurance policy for your teenager, consider Shawn Camp Insurance Agency, Inc. As a leading insurance agency in Killeen, TX representing multiple carriers, we can help you compare and choose the best policy. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

The number of recreational vehicle (RV) owners in Killeen has seen a steep rise during the recent years. This makes it important to have a comprehensive insurance policy that protects your RV in case of any unfortunate incident. The insurance policy and coverage depends on the model, vehicle usage, driving frequency and many other factors.

Given below are some common mistakes that should be avoided when buying RV insurance in Killeen:

• Believing that a car insurance policy is sufficient: An RV is more than just a normal four-wheeler and comes with an entirely different set of risks as well as liabilities. It is a specialized vehicle that needs a separate insurance coverage which is different from a basic auto insurance policy. Your RV insurance coverage should include protection for the vehicle as well as your personal belongings in it. Depending on where and how frequently you will drive it, a suitable insurance policy needs to be in place to safeguard your RV.
• Choosing inadequate coverage: The financial repercussions of inadequate RV insurance coverage can be huge and therefore it is important that you know what is required. You can opt for a comprehensive RV insurance policy for protection in case of incidents such as fire, sabotage or theft. You should avoid getting minimum coverage just to fulfill your state’s legal insurance requirements. The loss of income and medical expenses that you may have to incur after an accident are likely to exceed the limits of your policy.
• Not asking for discounts: Ignoring the available discounts is another mistake that you need to avoid. You can be eligible for certain discounts which can help in bringing down the insurance premiums. For instance, certain insurance companies offer discounts to the clients who have a safe and clean driving record. You can also get premium discounts if you add more vehicles to your RV insurance policy. Therefore, always be on the lookout for discounts and discuss the possibilities with your insurance agent. 
• Agreeing on low premium rates: While low premiums may seem to be a lucrative option while insuring your RV, they can pose a huge risk in the future. It is best to consider the coverages that you require and then settle for a premium rate that will provide complete protection to your vehicle.

For comprehensive RV insurance in Killeen, TX, consider Shawn Camp Insurance Agency, Inc. For details about the coverage options, you can call at (254) 526 – 0535. 

An appropriate insurance policy is a must if you want your motorcycle to be fully protected in case of an unfortunate accident. While buying a motorcycle insurance policy, it is important to keep a few things in mind so that you can save money. Some of these have been listed below:

• Size of your bike: The premium rates greatly depend on the make/model and engine capacity of the bike. A powerful engine can make the bike run at a very high speed, thereby increasing the risk of an accident. Therefore, you should try to buy a bike that is not too heavy and can be ridden rode safely. This is particularly true if you are going to buy a motorcycle for the first time. An easy-to-ride bike will help to bring down your insurance rates to a great extent.
• Take a safety driving course: Novice or teen riders are bound to pay more money for motorcycle insurance as they are more likely to get involved in accidents as compared to experienced riders. Getting trained and certified in motorcycle riding can help you save money on your insurance policy. In a motorcycle safety class, you will learn about driving the bike efficiently while also ensuring others’ safety on the road.
• Raise the deductible: Although increasing the deductible means you will have to shell out more money in case of an accident, it can significantly reduce your insurance premiums. However, you should raise your deductible only after evaluating your finances to see if it is an affordable option for you.
• Drive less: If you ride your bike on a daily basis, there is a higher probability that you will have to pay a higher insurance premium. Even if you have a safe driving record, being a frequent rider increases your risk of being involved in a road accident. In order to save money on motorcycle insurance, you may consider riding your bike occasionally and ask for discounts on low annual mileage.
• Store your bike safely: Installing an anti-theft device in your bike or parking it in a locked garage can bring down your insurance premium rates. Insurance companies charge less from riders who have a safer storage facility as this lowers the chances of the bike being stolen.

We, at Shawn Camp Insurance Agency, Inc., offer affordable motorcycle insurance policies in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Insurance providers in Killeen, TX, offer different coverage options and varied premium rates for homeowners insurance policies. However, it is important to ensure that you get adequate coverage to recompense the cost of re-building or renovating your home in case of damage. Keep on reviewing your policy every year so that you know what additions and deletions need to be made. Though adding extra coverage can sometimes increase your monthly premiums, there are certain factors that can reduce your overall homeowners insurance costs. Some of these have been discussed below:

• Comparing the insurance rates: It is essential to choose an insurance agency after getting quotes from multiple providers in Killeen. You can use the internet or get in touch with the state insurance department to get a fair idea about the rates being offered by various agencies in Killeen. You also need to review the quality of customer service and claims processing record of the insurance agency. Shopping around can help you fetch lower rates and reduce your monthly premiums.
• Deductible: Another factor that can help in cutting down the homeowners insurance cost is the deductible. It is the money that you need to pay towards the claim settlement amount. Having a higher deductible can make you save a lot on premiums. However, you must raise your deductible only after carefully reviewing your financial situation. Also, people residing in disaster-prone areas may have to shell out a separate deductible in case of damage due to specific natural calamities such as earthquake and windstorm.
• Buying multiple insurance policies: A number of insurance agencies in Killeen offer discounts if you buy multiple policies from them. So, you can buy auto and liability coverage along with homeowners insurance policy to bring down the monthly premium. However, you need to compare and contrast the coverage options being offered by the insurance provider to ensure that you are actually saving money.
• Security measures in your home: Installing extra security systems in your home such as CCTV camera, burglar alarm, fire sprinkler etc. mitigates the risk of damage and the likelihood of filing a claim. Make sure you talk to your insurance agent to know what security systems can get you a discount on your homeowners insurance.
• Policy review: Though you want to sufficiently protect your home, spending money on unnecessary coverage is not right. Every year, the insurance requirements change and it is important that you review the condition of your home along with the coverage that you have opted for. It can help you avoid paying for any additional coverage that you may not require presently.

For more tips to reduce the costs of your homeowners insurance in Killeen, TX, feel free to contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

Buying auto insurance for the first time can put you at risk of committing certain mistakes. The myriad options offered by the insurance agencies in Killeen further increases this possibility. You need to choose an auto insurance policy depending on the type of coverage that will be sufficient for your vehicle. Therefore, proper consideration is required so that you don’t end up losing money on auto insurance.

Below are some common auto insurance mistakes that you need to avoid:

• Shopping without prior preparation: Before venturing out to request auto insurance quotes, you need to be fully prepared so that you can make an informed decision. You must possess complete knowledge about the car insurance coverage requirements in your state. You also need to know if you require comprehensive or collision coverage and how much insurance premium you can afford to pay every month.
• Not consulting various insurance companies: One of the most common auto insurance mistakes is consulting only one insurance company and not making an effort to shop around. It is important to consult at least 4-5 insurance companies in order to compare the premium rates and finalize the one that suits you the best. Getting quotes from multiple insurance companies can help you save a lot of money in the long run.
• Not being aware of the coverage you require: Most of the customers buy auto insurance just to fulfill the legal coverage requirements in their state. However, depending on the type and model of vehicle you own, your driving record and other such parameters, you may require certain additional types of coverage to keep you fully protected. You need to have a detailed discussion with your insurance provider to know the most suitable coverage options for you.
• Buying unnecessary coverage: Considering the extensive coverage options available, you may end up buying the ones that you actually do not require. For instance, you need to calculate if it will be cost-effective for you to pay for comprehensive and collision coverage. If you are paying a premium that is more than 10% of the total cost of your car, it is better to consider dropping optional coverages.
• Choosing a wrong deductible: Deductible is the amount of money you are required to pay towards the claim amount. You need to choose your deductible after a thorough consultation about your budget. While a higher deductible can assist in lowering your insurance premiums, it could end up burdening your pocket in the event of an accident or damage.

To buy auto insurance in Killeen, TX, consider Shawn Camp Insurance Agency, Inc. We will help you find the most suitable and affordable insurance policy. For details, call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

When shopping for a motorcycle insurance, you must make sure that you know about the optimum coverage amount required, ways to get lower monthly premiums and procedure involved. You can get in touch with an insurance agent as he can help you to customize a plan that suits your bike type, driving needs as well as fulfill the state’s insurance requirements.

Following are some questions that are frequently asked by customers before buying a motorcycle insurance:

What kind of coverage do I need?

The comprehensive coverage policy which covers all expenses related to repair and damages of your motorcycle. Collision coverage pays for the expenses in case the vehicle is involved in an accident. Liability coverage covers expenses if there is a damage caused to a third party by your motorcycle. The coverage also varies as per the make of your bike. Therefore, you may need to pay different monthly premiums for a sports bike and a cruiser bike.

How do I make my premium payments?

Once the premium amount is fixed, you will be asked to choose your preferred payment method. It could be a by check, cash or online transfer. You will also be given a date by which the payment must be made every month.

Are there any discounts?

You can consult with your insurance agent about any discounts you can avail to lower their monthly payments. There is multi-policy discount which is offered if the customers combines some other insurance (personal, auto, health etc.) with their motorbike insurance. If the rider has taken special driving courses or has installed special lock brake, disc locks, immobilizer, ground anchors etc., he may be eligible for further discounts.

How do I file a claim?

If there has been a theft, collision or damage and you need to make a claim, call your insurance agent within 24 hours. If there is police involved, the paperwork from their end may also be required to finish claim formalities. In the event of no-claim in the entire tenure of the policy, you may get special discounts at the time of renewal.

Do I get roadside assistance in this policy?

With a slightly higher premium amount, one can have roadside assistance included in his policy. This is helpful specifically if the motorcycle is driven on long distances as it is an assurance that can get immediate help in case your vehicle breaks down unexpectedly.

Contact Shawn Camp Insurance Agency, Inc. to buy motorcycle insurance in Killeen, TX. For details about the coverage options, you can call us at (254) 526 – 0535.

Getting a car insurance policy is crucial to safeguard yourself and your vehicle in case of an accident. You need to get the right amount of coverage but the insurance rates can sometimes put a dent in your budget. However, you can take certain steps to reduce risk factors that tend to upsurge your car insurance rates.

Below are some ways to bring down your car insurance rates:

• Keep a clean driving record: You may have to shell out a higher insurance premium if you do not have a clean driving record. Therefore, ensure that you do not get involved in accidents or violate traffic rules. Insurance companies quote rates according to the number of traffic tickets issued to the driver which means higher points can raise your insurance premiums.
• Limit the number of claims: It is important to avoid filing for an insurance claim in case of a minor damage to the car. In case of an accident, filing a claim can sometimes raise your insurance costs for years to come. So, you need to weigh the settlement cost against the amount of no-claims bonus.
• Get a tracking device installed in your car: One of the easiest ways to save on car insurance is to install a tracking device in your car. This will lower the risk of theft and reduce your chances of filing a claim. Not only this, you can also become eligible for discounts if you drive your car less frequently and on short distances. 
• Shop around: It is important to get quotes from various insurance companies in order to get the lowest premium. Finalize a company only after thoroughly checking its background and claim settlement records. Also, consider what all coverage you will be getting in your insurance policy.
• Choose your vehicle wisely: Buying an expensive four-wheeler will definitely raise your insurance costs as compared to a low-cost car. You need to talk in detail to your insurance agent regarding the premium amount for different cars before arriving at a particular decision.
• Enroll in a defensive driving class: Getting yourself enrolled in a defensive driving class can bring down your insurance premium to a great extent. The insurance company will perceive you as a safe and responsible driver. Hence, you will be able to get car insurance with a lower premium.

Shawn Camp Insurance Agency, Inc. offers a wide range of car insurance policies to the clients in Killeen, TX. Call us at (254) 526 – 0535 for more information.

If you own a recreational vehicle (RV) or motor home in Killeen, it is important to get complete coverage for it. There are many people who spend a lot of time travelling in their RVs which makes all the more sense to have the required coverage for the vehicle. The RV insurance policy provides financial protection for any damage caused to your vehicle. RV insurance offers the following coverage options:

• Comprehensive coverage: In this type of coverage, the insurance company will pay for repair or replacement costs in case your vehicle gets damaged due to fire, theft or vandalism.
• Liability coverage: The insurance company will provide financial help if you accidentally injure any other person or damage his vehicle. The policy will cover the medical expenses and vehicle repair costs incurred by the other person.
• Medical expenses coverage: You will get protection for all the medical expenses incurred by you or your fellow passengers due to any accident.
• Collision coverage: You will be given coverage for repair and replacement of your motor home in case it gets destroyed in an accident.
• Coverage for your belongings: In this type of coverage, you will get protection for all your personal belongings inside the motor home. Contents can add up to a significant amount of money and this type of coverage can pay for the belongings if they get damaged due to an accident.
• Underinsured or uninsured coverage: This coverage will protect you in case you are involved in an accident with an uninsured or underinsured driver.
• Roadside assistance: It covers any unexpected incidences of flat tire, mechanical breakdown or jump starts. It pays for the cost of towing, repair and any trip interruption expenses (food, lodging, or transportation) incurred if you are 50 miles away from your home.

Talk to your insurance agent in order to know in detail about the different coverage options available for RV insurance. Getting more coverage can provide better protection but sometimes this can add up to significant costs. Therefore, you need to analyze your requirements and purchase only the coverage you actually require.

If you are looking for an extensive RV insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. Call us at (254) 526 – 0535 for details about the coverage options. You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

If you own a boat, it is imperative that you invest in a comprehensive insurance policy to protect yourself from financial losses in case of a theft or accident. Though watercraft insurance is not a legal requirement in all states, you must buy a policy that covers any sort of damage to your boat. Researching a good number of insurance plans offered by insurance carriers in Killeen, TX and comparing the coverage options can help you make an informed decision. 

Listed below are some common watercraft insurance coverage options:

• Bodily Injury Liability: It covers any injuries incurred in a boat accident caused due to your fault. The policy will pay for the medical bills, lost wages and other financial losses of the other party as well as your fellow passengers.
• Property Damage Liability: This coverage provides protection in case your boat causes damage to others’ watercrafts or boating equipment. Depending upon the coverage limits of your policy, it will recompense the total cost of damages.
• Physical Damage Coverage: It  covers the repair cost of the boat’s machinery, furnishing, sails and other attached structures in case of an accident, weather damage, vandalism etc.
• Uninsured/Underinsured Boater: If you are involved in an accident with a boater who is not insured or does not have sufficient coverage, your watercraft insurance will pay for the damages. These may include your medical bills, lost wages, boat repair costs and other expenses incurred due to the accident.
• On-Water Towing: Under this coverage, you can avail towing services in case your boat breaks down or gets stuck in the middle of the water due to insufficient fuel, mechanical failure or a collision. 
• Fishing Equipment: The insurance policy will also cover any loss or damage to your fishing rods, scuba gear, reels, tackle boxes, mobile phones and other personal belongings on the boat.
• Fuel Spill And Wreckage Removal Coverage: This includes the cost of cleaning up a fuel spill if your boat sinks or gets damaged in water. The coverage also pays for the removal of debris of a sunk watercraft.
• Total Loss Replacement: If your boat is completely damaged, the insurance policy will cover the cost to buy a new boat. The coverage amount will be provided according to the current market value of the same make and model.

If you are looking for a comprehensive watercraft insurance in Killeen, contact Shawn Camp Insurance Agency, Inc. For details about the coverage options, call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Insurance is mandatory for all car drivers in Killeen, specifically the young drivers as they are more prone to getting involved in accidents. However, the insurance premiums can shoot up for young drivers because of their lack of experience on the road and increased chances of filing a claim. Here are certain tips that can help young drivers save on car insurance:

• Choose your car wisely: Opting for a high performing four-wheeler will make you pay more for the insurance premiums. Expensive cars are more likely to have powerful accidents and consequently higher damages. So, it is better to buy a car in a medium price range to lower your overall insurance costs.
• Be clear about the amount of coverage you need: The amount of insurance you require depends on your driving record and usage of the car. Choose your insurance cover after considering all these factors. The most extensive protection is the comprehensive car insurance policy that covers you, your car as well as the other vehicles involved in the accident.
• Enroll in a driving course: There are various driving courses aimed at making young drivers become more proficient on the road. Enrolling in any such course can not only reduce your insurance premium but also make you eligible for discounts in certain cases.
• Pay annually: Generally, it is cheaper to pay your insurance premiums annually than on a monthly basis. Although it might seem to be a bit heavy on your pocket but you will reap its benefits in the long run.
• Have security measures in place: Lowering the risk of theft and damage will eventually reduce your insurance premium. Make sure you have the requisite security equipment installed in the car, such as gear lock, anti-lock brakes, air bags etc. Park your car in a garage or a secure off-street parking to protect it from thieves.
• Ask for discounts: If you have been insured for over a year and have not yet made any claim, you can get a rebate on the renewal of the policy. You may also be eligible for a discount if you have any other insurance policy from the same company.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of car insurance policies in Killeen, TX. For details about the coverage options, you can call at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.