Watercraft Insurance In Killeen, TX

by Administrator 20. May 2016 12:54

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.

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Car insurance For Young Drivers In Killeen

by Administrator 13. May 2016 08:31

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.

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Tips For Buying Motorcycle Insurance In Killeen

by Administrator 6. May 2016 12:10

Motorcycle insurance is imperative to provide financial protection to the rider as well as the bike. The risk of injury is high while driving a bike and even the most seasoned riders can fall prey to over speeding despite taking the precautionary measures.

Types of motorcycle insurance coverage:

  • Comprehensive coverage: It provides coverage for damage caused due to theft, vandalism, fire, storm etc.
  • Personal injury protection (PIP): It will pay for the medical bills in case you get injured while riding the motorcycle, regardless of who is at fault.
  • Collision coverage: The insurance company will provide coverage in case you have an accident with another vehicle or object.
  • Accessory coverage: You should include this in your policy if you want coverage for any customized accessories you might have added to your bike.

Below are some useful tips for buying motorcycle insurance in Killeen:

  • Shop around: Different insurance carriers in Killeen offer varied rates of interest. Therefore, it is important to shop around and consult at least three insurance providers to compare the rates of interest. You can get a lower rate of interest depending on your driving record, credit history, type of bike, your location etc.
  • Select the plan you require: You can decide the amount of coverage you require by taking into consideration the type of bike you ride and its usage. You can take your pick between a simple liability plan and a comprehensive plan. You also need to take into account the area in which you drive your two-wheeler. Keeping all the above factors in mind, you can choose the limit of insurance coverage that you need.
  • Protection for co-passenger: Your co-passenger requires a separate insurance cover as he is not automatically covered under your insurance plan. Therefore, it is crucial to buy Guest Passenger Liability coverage to protect your co-passenger in case he gets injured while you are riding the bike.
  • Ask for discounts: A motorcycle training course can help you become a safe rider and consequently make you eligible for insurance discounts. Apart from this, insurance companies also offer discounts to the riders with clean driving records. It is important to talk to your insurance provider to know what all reductions you can get in the insurance rates.

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

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