Pages

Wednesday, December 21, 2011

Buying Used Motorcycles


Buying Used Motorcycles

Motorcycle enthusiasts sink a lot of money into their rides by adding extra equipment, personalizing and modifying them. One way to help reduce the overall amount that you spend on your bike is to start with a used motorcycle that you can customize the way you want.

Before you Buy: Get the Bike’s Story

While buying a used motorcycle is, in theory, a perfect solution, insurance doesn’t cover the damages that come when you purchase a bike that is mechanically unsound, so you need to take care in getting the whole story about the bike’s history.

·         Ask if this is the bike’s original owner: If you are buying the motorcycle from its original owner, then they will know the bike’s whole history. If not, there may be skeletons sitting in the bike’s closet.
·         Ask if the bike has ever been in an accident: If the motorcycle’s been in an accident or has been dropped, it’s possible there is irreparable damage to its frame. You can also enter the bike’s VIN number into the Carfax system to get a report.
·         Get the maintenance records: A properly maintained bike can be a good buy, but a bike that has had no tune ups and little attention paid to oil and other fluids could be a nightmare.

Contact us at (866) 851-5220 for a free Texas motorcycle insurance quote or visit our office. Read the entire “Buying Used Motorcycles” article.

Friday, November 18, 2011

5 Ways to Find Your Ideal Insurance Agent in Killeen, TX

Killeen Insurance Policy - TexasWhen you work with an insurance agent, you aren’t simply striking up a deal, you are creating a partnership for risk hedging and liability planning. The agent you choose will have a tremendous influence on your family’s and asset protection, making this an extremely important partnership. You must find an agent that you not only trust, but one whose knowledge and experience are vast enough to ensure that he or she will cover all the bases while still being personally compatible with you.

If it seems like choosing an insurance agent is almost as intense as choosing a future spouse, you aren’t exactly on the wrong track. But before you start going to speed dating events to find your ideal agent, here are a few tips you can try:
  1. Ask friends and family for referrals: If you know someone who has an agent, and loves them, then finding out who that agent is. Doing some research on them is a great way to weed through all the options.
  2. Do a web search: Most agents are on the web now. If you do a web search in any search engine for the type of insurance you are shopping for and your location, you will turn up hundreds of results that allow you a starting point to further your research.
  3. Read an agent’s blog: Blogs are a less formal way of communicating with potential clients. Often, a blog post will give readers a hint about the underlying personality of the agent while giving an indication of how knowledgeable they are.
  4. Read newsletters: Agents who offer newsletter subscriptions to visitors of their website are educating people at no charge...
Contact us at 866-851-5220 to learn more about Killeen auto insurance as well as homeowners & business insurance in Copperas Cove, Temple, Gatesville and across Texas, or continue reading "5 Ways to Find Your Ideal Insurance Agent in Killeen, TX"

Friday, October 7, 2011

Can you only purchase rental car insurance from rental car companies?

Travelling by carOccasionally you may feel as if your entire working life is defined by a single event each year—vacation. Taking a vacation is one way of reminding you of the reason for working so hard all year round, but you should plan in such a way that you get the most value for your money.
It’s simple to forget about rental car insurance when budgeting for your vacation. So if you don’t want to arrive home from your holiday with a car repair costs that competes with the cost of a holiday abroad, consider purchasing rental car insurance or at least finding out whether you already have adequate protection from other sources.
  1. Will your current car policy cover it?

First things first, contact your insurance agent. They can tell you what coverages you have for rental cars on your current auto policy. You need to be sure to have something to protect yourself in the event of an accident, theft, and vandalism. This coverage should include protection for damage to the car, as well as also property damage and bodily injury.

Click to read more about how your credit card can help alleviate rental car insurance rates.

Call us to talk about your car policy or get a free car insurance quote in Texas by calling (254) 547-2381.

Friday, September 9, 2011

How can the Drive-Other-Car Endorsement help my business?

Company carIt can be challenging to deal with all of your different insurance policies and assets that you have between your business and personal life. From business insurance to home insurance, life insurance to auto insurance for your personal and business vehicles the perfect balance of personal and business coverage can be hard to manage. Although a lot of these complex insurance arrangements cannot be simplified, the one involving your business and personal car insurance can be.

When you buy a business auto policy to cover your company car you can choose the Drive-Other-Car endorsement to cover your driving activities with a personal vehicle rather than buying a separate policy for personal use. 

What is included in this endorsement?
The coverage provided under this endorsement is similar to that of conventional, personal auto insurance but only one bill payment is necessary—to your business auto policy. This makes paperwork easier for you and lessens the risk of one of your policies being interrupted due to nonpayment. The Drive-Other-Car endorsement can also be used to provide coverage to employees who are provided with a company car to take home.

The Drive-Other-Car endorsement can also provide bodily injury and property damage liability coverage as well as uninsured or underinsured motorist coverage. Whatever limits and deductibles you choose for the business auto insurance policy are extended to the endorsement.

Critical Factors to Consider
The Drive-Other-Car endorsement does not just cover you when you drive personal vehicles, it can also cover claims resulting from accidents that occur while you, or a covered employee, are driving a rental vehicle or a friend’s car. That helps to make this extremely flexible endorsement extremely comprehensive.

This endorsement can cover other drivers in the employee or business owner’s household too—but you must read your policy before you assume that this is the case. If your policy does cover household members then they will be protected whether driving a rental car, borrowed car or their own personal vehicle. However, this does not mean that they are covered under the business portion of your policy if they use your company vehicle.

In order to qualify for this endorsement, the business vehicle you use and insure must be owned by your business and not by you, a spouse or a member of your family. When looking for ways to buy insurance policies that protect you against financial risks and simplify your life, additional endorsements like the Drive-Other-Car endorsement are important and valuable tools to consider.

Contact us at (866) 851-5220 for a free company car insurance quote or visit our office.

Wednesday, August 24, 2011

Protecting Your Car from Theft

Texas Auto InsuranceYour car is vulnerable to attack every day. Whether you are at the grocery store, the mall, or your neighborhood salon, someone could break into your vehicle and take whatever valuable possessions you have inside.

Many people make sure to lock their car doors and close their windows when they are out of their own neighborhood safe zone so they aren’t giving potential car thieves an open invitation to their stuff. But once they get home, to their tree-lined street filled with neighbors that they trust, all their safety activities go out the window. They leave their windows down enough to snake an arm through, leave doors unlocked and use their car like it’s another room of their home with expensive MP3 players, laptops, clothes and other items inside.

No matter where you live you should never take the safety of your surroundings for granted. Crime happens everywhere, and even the most secured and safe-seeming areas can play host to criminal activity.

Continue reading "Protecting Your Car from Theft" or contact us at (866) 851-5220 to a free  Texas car insurance quote.

Friday, July 29, 2011

What liabilities do homeowners face?

Homeoeners InsuranceDuring your daily routine at home, you possibly don’t think much about the different potential liabilities you are accountable for within the very same building that you and your family rely on for comfort and shelter. But there are many accidents that could happen to others within your home that would result in medical bills and damages and that you, as the homeowner, could be liable for. These incidents could take money out of your savings, retirement fund and college savings plans unless you have the appropriate insurance to cover them.

Potential Liabilities as a Homeowner

Here is an idea of what these potential liabilities could consist of:
  1. Indoor injuries: If a guest or visitor to your home is injured while on the premises by trip and fall over a loose floor tile, you could be liable for both damages and medical expenses.  The costs of these expenses could be extremely high and may even include recompense for loss of work.
  2. Miscellaneous injuries: Visitors to your home could be injured in your yard or garden, around or in your pool, within your storage shed or even by your dog. In fact, your dog could bite someone who isn’t even on your property. Similar to the other accidents we mentioned, this would fall under a homeowner’s liability.
Continue reading "What liabilities do homeowners face?", contact us at (866) 851-5220 to learn more about Texas Homeowners Insurance or get a free home insurance quote.

Tuesday, July 19, 2011

How to Save Money on Your Business Auto Insurance Policy?

A business auto insurance policy protects your business from financial responsibility in the event of a business related vehicle accident.

If you are using a vehicle for commercial use, you must-have business auto insurance. But just because you have to have the coverage, that doesn’t mean that you don’t want to find a way to spend less on it.

Here are five tips to help you save money on your business auto insurance policy without sacrificing your coverage:
  1. Hire safe drivers: Your insurance premiums will go up considerably if you hire a driver with points against their license because they pose a greater risk of accident to your company. Instead, make sure you hire employees with clean driving records.
  2. Mandatory training: Making safe driving classes mandatory for your employees will show you insurer that you are serious about safety and will train them to act properly when on the road. This will help reduce the risk that they pose and will help reduce your rates.
  3. Lower your limits: Keep track of the value of your fleet and lower your limits accordingly so that you can keep your policy affordable. Your company cars lose value every year and, if they are driven often, may lose value at a faster rate than a normal vehicle. There is no point in having a high limit if your cars aren’t worth that much, unless you are looking for replacement value instead of actual value. When it comes to medical and bodily injury coverage, be sure not to lower your limits too aggressively since these costs tend to increase over the year rather than decrease.
Continue reading about these five tips to help you save money on your business auto insurance policy or contact us at (866) 851-5220 for a free business car insurance quote.

Tuesday, June 7, 2011

Pollution and the Company Car Policy

Business VanInsurance companies have to regulate their liability in a practical manner. This is why there are suicide exclusions on life insurance policies, pre-existing condition exclusions in health insurance policies, and certain pollution exclusions in company car policies. But insurance companies can also offer unmatched coverage that protects you from certain hazards to your business—which is why there is also specific pollution coverages that you can add to your company car policy.

Read more on the differences between the exclusions and the coverages of your business auto insurance policy.

Contact us at (866) 851-5220 for a free Texas company car insurance quote or visit our office.

Wednesday, May 18, 2011

Texas Auto Insurance

Auto Insurance

Why do you need auto insurance?

It's really all about protecting yourself financially.
  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Texas

Texas flag and flowersTexas is the second-largest U.S. state by both area and population, and the largest state in the contiguous United States. The name, meaning "friends" or "allies" in Caddo, was applied by the Spanish to the Caddo themselves and to the region of their settlement in East Texas. Located in the South Central United States, Texas is bordered by Mexico to the south, New Mexico to the west, Oklahoma to the north, Arkansas to the northeast, and Louisiana to the east. Texas has an area of 268,820 square miles, and a growing population of 25.1 million residents.

Due to its size and geologic features such as the Balcones Fault, Texas contains diverse landscapes that resemble both the American South and Southwest. Although Texas is popularly associated with the Southwestern deserts, less than 10% of the land area is desert. Most of the population centers are located in areas of former prairies, grasslands, forests, and the coastline. Traveling from east to west, one can observe terrain that ranges from coastal swamps and piney woods, to rolling plains and rugged hills, and finally the desert and mountains of the Big Bend.

At Shawn Camp Insurance Agency, a family-owned-and-operated business since 1976, we pride ourselves on helping you protect your home, automobile and business by offering exceptional service, quality products and unparalleled customer support. Contact us at (866) 851-5220 for a free Texas auto insurance quote or visit our office.