How To Save Money On Motorcycle Insurance

by Administrator 20. October 2015 13:07

Riding a motorcycle without comprehensive insurance is not only risky but also illegal in many states. With the increased number of road accidents, insurance becomes a necessity to protect yourself against any sort of financial liability. However, you need not always spend a fortune to insure your motorcycle. Here are some of the tips that can help you help save on motorcycle insurance:

  • Increase deductible: A deductible is the amount of money that you need to pay towards the insurance claim before the policy comes into effect. You can raise the deductible in order to reduce the premiums for motorcycle insurance. By increasing deductible by a few hundred dollars, you can save up to 30% on your total insurance cost.
  • Avoid making frequent claims: To reduce your insurance rate, avoid filing claims for small and trivial damages. If you will make claims frequently for minor repairs, the insurance company is likely to charge a higher rate. Hence, you should try not to make more than one claim in a year. 
  • Check for discounts: An insurance agency may offer discounts to motorcycle owners who use their bikes less often. It may also offer reduction in rates if your bike has some safety features installed or you have completed a driving course. By availing such discounts, you can easily save some money on your motorcycle insurance.
  • Keep your driving record clean: To enjoy lower insurance rates, make sure you keep your driving records clean. A skilled driver may have to pay less for insurance as compared to one who is more susceptible to accidents. Avoid including any other driver with poor driving record to avoid paying hefty premiums. Having a teen rider in your policy can also make your insurance rates soar.
  • Avoid paying coverage you do not need: You can skip the coverage that you do not need. For instance, if you are going to ride the motorcycle alone, you can avoid paying for guest passenger liability.
  • Choose your motorcycle wisely: Certain sports models or high performance bikes are deemed risky by the insurance company. Therefore, you should choose your bike according to the premiums you are willing to pay. Make sure you do a thorough research before buying the bike.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of motorcycle insurance policies in Killeen, TX. Our agents will help you select the most suitable policy according to your budget and coverage requirements. 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.

Tags: ,

Car Insurance For Teenage Drivers

by Administrator 13. October 2015 12:59

Buying car insurance for teenage drivers can be quite expensive. Due to the lack of sufficient driving experience, they are more likely to get into accidents. As a result, the premiums also tend to be higher for teen drivers. However, by keeping certain tips in mind, you can considerably mitigate the insurance costs. Some of these have been discussed below:

  • Keep the driving record clean: Make sure your teenager strictly follows all the driving laws. This will help him avoid any traffic violations and thus, maintain a clean driving record. It will not only help to keep them safe on the road, but also lower the insurance costs. Accompany your teenager during his first few drives to help him understand his responsibilities while driving.
  • Enroll in driving courses: An insurance agency may often discounts to teens who have attended certified driving courses. Check out the list of recognized schools to enroll your teen in an accredited course. This will greatly reduce your car insurance premiums.
  • Parents should set a good example: It is crucial for the parents to set a good example in front of their children. You should diligently follow the traffic rules and drive within the set speed limit. Also, you should never drink and drive. Ensure that you do not indulge in any road rage so that your teen also behaves responsibly while being behind the wheels.
  • Add your teen as additional driver in your policy: The best way to save on your car insurance is including your teen in your policy rather than purchasing a separate policy. This will help you make savings and entitle your teen to the same discounts as well as privileges applicable to you. 
  • Get a safe car for your teen: You should make your teen drive a car that has all the latest safety equipment installed. You can further secure your vehicle by adding security features such as immobilizers, steering wheel locks, gear locks etc. This can also lower the premiums of your car insurance.

If you are looking for an affordable car insurance policy for your teenager in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We will provide you with a wide range of insurance options so you can choose the one that suits your requirements. 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.

Tags: ,

RV Insurance In Killeen, TX

by Administrator 6. October 2015 13:11

Owning a recreational vehicle allows you to go on memorable road trips with your family or friends, while enjoying most of the home-like comforts. However, it is important that you invest in proper insurance coverage to protect your RV from unexpected damages caused due to accidents or other incidents. Different types of RV insurance policies are available to insure motor homes, travel trailers, motor coaches, camper vans etc. Regardless of how frequently you use your RV, you must get adequate coverage to keep your investment protected.

Read on to know about the various coverage options for RV insurance:

  • Bodily Injury Liability: This coverage protects you against the financial liability when you are responsible for an accident that caused injuries or death to someone. In such situations, your insurance policy will pay the costs of your legal defense, bail and bond as well as medical bills of the victim.
  • Property Damage Liability: RV insurance also provides coverage in case your vehicle has caused damage to someone else’s property, including vehicles, garage doors, garden, light poles, fences etc.
  • Collision Coverage: This includes damages caused to your recreational vehicle due to collision with another vehicle or a stationary object, such as a parked car, light pole etc. The coverage limit in such cases depends upon the actual cash value of the RV and the amount of deductible you choose to pay.
  • Comprehensive Coverage: This coverage option protects your RV against damages caused due to an event other than a collision. This may include fire, theft, vandalism, flood, glass breakage, windstorm, hail, riots etc.
  • Medical Payments: With this coverage, you can seek compensation for the medical bills, up to a certain limit, for the injuries caused due to an accident. The covered expenses may include first aid, surgery, recovery, rehabilitation and long term care.
  • Uninsured/Underinsured Motorists: This coverage includes damages caused by a driver who is either not insured or does not have enough liability insurance. In such situations, the insured individual may file a claim for the costs of vehicle repair, treatment of injuries and other monetary losses.
  • Replacement Cost Personal Effects: Under this, the insurance policy pays for your damaged or stolen personal belongings stored inside the RV. These may include your cell phones, binoculars, cameras, clothing, jewelry, VCRs, laptops, camcorders, outdoor gear etc.

We, at Shawn Camp Insurance Agency, Inc., provide affordable RV insurance in Killeen, TX. Our agents will evaluate our requirements and help you choose the most suitable policy with extensive coverage. 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.

Tags: ,

Tag cloud