Motorcycle Insurance Frequently Asked Questions

by Administrator 23. June 2016 08:32

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.

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Reduce Risk To Get Lower Car Insurance Rates

by Administrator 16. June 2016 07:58

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.

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Recreational Vehicle Insurance In Killeen, Texas

by Administrator 9. June 2016 07:49

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.

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