Progressive Boat Insurance: What It Covers

by Administrator 18. March 2015 08:23

Owing to the increasing number of boating accidents reported every year, it is important to get an insurance policy that provides coverage for any loss or damage to your cruiser. Whether you have purchased a boat for personal use, such as to go out fishing with friends, or for commercial purposes you must purchase an insurance plan. Theft or damage can occur at any time to your boat and as a responsible owner you must get yourself sufficiently covered, well in time. With progressive boat insurance you can be rest assured that regardless of the circumstance, tragedy or crisis that affected your boat, you are covered financially.

Progressive boat insurance covers the following types of watercraft:

  • Sailboat
  • Mini Jet Boat
  • Personal Watercraft
  • Pontoon
  • Runabout
  • House Boat
  • Cabin Cruiser
  • Bass Boat
  • Other Fishing Boats

Coverage Options Under Progressive Boat Insurance

  • Roadside Assistance: It is helpful in the event of an unexpected breakdown of the boat trailer due to battery failure, stolen keys, flat tire, insufficient fuel, mechanical halt or entrapment in snow or mud. It provides for towing the boat to the nearest repair shop, labor costs and reparation expenses.
  • On-Water Towing: This coverage protects you in case you need to tow your boat after it is stuck or caught up in the water, has an accident, runs out of fuel or needs to be rescued.
  • Total Loss Replacement: If, in any case, you boat is completely damaged in an accident, this coverage includes paying compensation according to the present market value of the same make and model.
  • Fishing Equipment Coverage: It provides protection for fishing rods, tackle boxes, reels, electronic gear and other equipment used for recreational fishing. The coverage provided depends upon the limits of the insurance policy. 
  • Personal Effects Replacement: It provides coverage for your personal property, water sports gear, boat hoists and lifts.
  • Fuel Spills Coverage And Wreckage Removal: If your boat is sunk or damaged, it might spill fuel or oil in the water. This coverage includes paying expenses for cleaning the fuel spills and removing debris after a boat accident. 

For more information about the coverage options for Progressive boat insurance in Killeen, TX, contact Shawn Camp Insurance, Agency, Inc. at (254) 526 – 0535.

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Motorcycle Insurance In Killeen, TX

by Administrator 11. March 2015 08:19

Motorcycle accidents can cause injury to self and others along with damage to the motorcycle. Thus in order to protect yourself and your vehicle you must buy motorcycle insurance. Your insurance policy cover will offer you financial assistance in case of an accident.

Why motorcycle insurance is important?

  • Legal Requirement: Motorcycle insurance is a legal requirement and riding a bike without valid insurance is a traffic offence. This can lead to huge fines, penalty points and legal actions. In extreme cases it can also lead to cancellation of your driving license.
  • Protects Financially: With insurance, you can be rest assured that in case of an accident, basic third party cover will compensate for property damage and medical bills. Due to lack of insurance, you will have to bear the financial responsibility of the losses solely. However if you have third party fire and theft protection cover, then your insurance company will compensate you for repairs. This enhances your protection cover. You can invest in comprehensive motorcycle insurance to cover your bike against accidental damages, theft, fire and any legal claims.
  • Enhances Security: Insurance plans with added features increase your security and safety. Such covers include breakdown covers, legal expenses coverage and personal accident protection. You can get customized plan to insure your motorcycle.

A number of insurance companies offer competitive motorcycle insurance policies. Thus in order to derive maximum benefits at the most affordable prices; you should always compare the policies. You should ask certain questions to the agent to understand all the aspects of the policy and the way it affects your case.

Questions that you should ask an insurance agent before buying motorcycle insurance

  • Inquire about the cash value of your motorcycle, as it decides how much compensation you will receive if your bike is damaged in an accident.
  • Ask insurance provider how they calculate the cash value
  • Ask how your motorcycle is classified, as the high performance bikes or high-speed bikes are expensive and come with high insurance premiums.
  • You should enquire about any available discounts
  • Inquire if doing any training course will lower your insurance rates
  • Confirm what forms of coverage are compulsory.
  • Ask the agent about optional coverage, which may include comprehensive, collision, etc.
  • Inquire about how much insurance you need and how can you get the best rates
  • Ask whether any club membership can reduce the rates or not
  • What is the procedure for making claim

By getting answers to these questions, you can have better understanding of your motorcycle insurance policy.

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How To Get Affordable Car Insurance Quotes Online

by Administrator 4. March 2015 08:15

Many companies offer car insurance quotes online but some people are not aware of the correct procedure to obtain the same. This results in a sharp dissimilarity between the online estimate and the actual policy rate. However, keeping certain important things in mind, you can be more precise in your search and save a lot on your car insurance.

Give here are some of the tips that can help you get an affordable car insurance quote online:

  • Keep your personal information at hand: Before beginning your search, make sure you keep all the relevant details about you and your vehicle handy. These may include your phone number, address, driving license number, social security number, vehicle identification number etc.
  • Gather your driving record: Your driving record is an important factor which will be used by your insurance agency to decide your policy premium. If you are applying for an online car insurance quote, you may be asked a few questions about any previous accidents or driving offenses you have committed. If you answer any of them incorrectly, it can seriously inflate your policy rata later on. Thus, it is advisable that you gather a copy all these details from the concerned government office.
  • Decide the car to be purchased: Before applying for an online quote, it is necessary that you are clear about the car that you are going to buy. Insurance agencies offer different rates for different makes and models of the cars, based upon the estimated risk. For instance, you might have to pay lesser premium for a basic model as compared to a high performance sports car. You can also ask for discounts on new or used car insurance.
  • Assess your coverage needs: There is no definite amount of coverage that can fit everyone’s needs. Based upon your personal finances and damage risk, you may need basic liability coverage or a comprehensive collision plan offering maximum security. Also, try to choose a higher amount of deductible to be paid at the time of a claim. This will also help to reduce the online quote. You should not hesitate to talk to an insurance agent about your driving practices, parking area, number of drivers to make sure that you are getting the right coverage under your car insurance policy.

To request an online quote for car insurance in Killeen, TX, feel free to contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

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