Steps To Get Cheap Car Insurance

by Administrator 24. August 2017 15:44

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Save Money On Teen Driver Insurance

by Administrator 18. August 2017 15:50

Teen driving comes with its own set of potential risks on the road. Apart from the safe and responsible driving, it is also imperative to have a requisite insurance policy. Teen driver insurance costs are high owing to the high risk factor that it poses for the insurance companies. However, there are a number of ways that can help in saving money on teen driver insurance. It is important to be aware about what you can do to get a comprehensive teen driver insurance policy without putting a load on your pocket.

Since adding a teen driver to your car insurance policy can bring in additional costs, you can implement the following ways to reduce the expenditure:

  • Encourage your teen to get good grades: There are a number of car insurance companies that offer discounts to teenagers who earn top grades in high school or college. However, only those students qualify for the discount who are enrolled full-time in high school or college. Teenagers getting education through an academic home-study program are also eligible for teen driver insurance discount. The amount of discount provided by the insurance company can differ from one state to the other.
  • Get your teen enrolled in a driving course: The number of teenagers involved in road accidents is quite high as compared to drivers of any other age group. Therefore, it is best to get your teen enrolled in a safety course that can give him/her the requisite experience for driving on road. Moreover, this can help in providing teen driver discounts on the insurance policy as a safety course eventually reduces the risk of accidents or collisions on the road.
  • Get an old or used vehicle for your teen: The type of car being driven is one of the major factors that contribute towards determining the premium rates. Therefore, luxury vehicles, sports cars or other brand-new cars will have higher premium insurance rates. So it is best to opt for a low-end model or a used vehicle while handing over the car keys to your teen.
  • Get safety features installed in the car: Cost-saving safety features such as anti-theft alarm and electronic stability control can go a long way in bringing down the insurance costs. These insurance discounts can vary from one state to the other, so it is best to check out with your insurance provider regarding discounts for including safety features in your four-wheeler. Not only will you get financial savings, but your teenager will also be fully-protected while driving on the road.
  • Use technology to keep a track on teen driving: There are many insurance companies that offer electronic devices for keeping a check on teen driving habits. These devices can be easily installed under the car’s dashboard and keep a tab on how someone drives. An online report card is generated that can be monitored by families to regulate teen driving. The drivers who meet certain benchmarks in terms of miles covered, number of hours driven, frequency of brakes applied and speed limits can get up to 30% discount on insurance premiums.

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Questions To Ask When Buying Renters Insurance

by Administrator 28. July 2017 17:44

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How To Save On Your Motorcycle Insurance Premium

by Administrator 24. July 2017 08:03

It is important to have an extensive insurance coverage for your two-wheeler so that you and your vehicle are safe on the road. However, before buying any particular insurance policy, it is essential to shop around for an optimum policy that provides maximum protection and offers a desirable monthly premium. This will help you to save money and add to your finances in the longer run.

Listed below are some many ways in which you can save on your motorcycle insurance premium:

  • Get Certification: In order to get labeled as a safe rider, enroll yourself in a training course and get the requisite certification. These courses are specifically beneficial if you are a new rider or have been through an accident lately. Safe riders are eligible for insurance discounts but the amount varies from one lender to another. However, this discount is mostly applicable once every 3 to 5 years.
  • Choose Your Bike Wisely: It is imperative to choose your bike well because this directly impacts your insurance premiums. For instance, if you have an expensive or niche bike; be prepared to shell out more money as insurance premium every month. On the other hand, an older model or a used motorbike will attract lesser rates of interest. This is because the repair and replacement costs in such cases are much lower.
  • Maintain A Clean Driving Record: Having a clean driving record basically corresponds to having fewer or no accidents, tickets and other rule violations. Most of the insurance companies offer significant discounts to drivers with a good record on the road. However, every insurance company might have its own definition of what they mean by a clean driving record. It is best to discuss with your insurance provider if you are eligible for this discount.
  • Get Multiple Policies: Opt for an insurance agency offer discounts on motorcycle insurance if you have more than one policy with them. Therefore, if you already have any ongoing policy with your insurance provider, ask if you can get discounts for maintaining multiple policies with them.
  • Select The Deductible Amount: Deductible is the amount that you need to pay from your pocket after a mishap or accident. A higher deductible on your part corresponds to lesser risk for the insurance company. This consequently brings down the insurance premium and you can save money. You need to be sure if you can cover the deductible costs without putting a dent in your budget.
  • Have Additional Security For Your Bike: Having added safety features in your bike can also bring down your premium rate. Therefore, make sure your bike is fully protected against theft, vandalism or other accidental damage possibilities. This will make you eligible for insurance discounts.

We, at Shawn Camp Insurance Agency, Inc. offer comprehensive motorcycle insurance in Killeen, TX. For more information, call us at (254) 526 – 0535.

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Car Accident: What You Should Do

by Administrator 17. July 2017 11:02

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Insurance Glossary

by Administrator 27. June 2017 11:47

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Renters Insurance: Myths And Facts

by Administrator 23. June 2017 09:53

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Tips To Compare Motorcycle Insurance Quotes

by Administrator 19. June 2017 00:56

Comparing motorcycle insurance quotes is an important step before actually buying an insurance policy for your bike. Shopping around and comparing prices can help you fetch the lowest insurance quote. This will eventually help in saving money on insurance premiums. It is imperative that you do not finalize the first lowest quote you get as it  may actually cost more over a period of time.

Broadly, motorcycle insurance provides the following types of coverages:

  • Bodily injury and property damage liability
  • Comprehensive and collision coverage
  • Uninsured/underinsured motorist
  • Medical bills

Below is a list of certain tips that can help in comparing motorcycle insurance quotes:

Check the coverage provided

The first and the most important thing that you need to look into is the amount of coverage provided by a certain motorcycle insurance policy. When an insurance quote is lower, the intended coverage may also be limited. Therefore, make sure that you read the coverage details of each quote to get an appropriate policy.

Deductible

This is the amount of money you need to shell out even before the commencement of your motorcycle insurance policy. So, be clear about how much you can afford and choose a policy based on the deductible amount. Carefully check if a policy is actually less expensive due to a higher deductible. Always start from the least deductible amount as it can be altered at the time of renewal depending on your financial capability.

Look up on the Internet

Comparison websites offer you the privilege of comparing motorcycle insurance quotes while sitting in the comfort of your home. You can request online quotes from multiple insurance agencies and companies to get the cheapest deal for yourself. Looking up on the Internet can save you a lot of time and money as you don’t need to go to individual agents.

Know if you are eligible for discounts

Even before you start comparing motorcycle insurance quotes, it is best to know what all discounts you may be eligible for. Online quotes generally don’t mention the discounts; therefore you need to call the insurance agency directly to know what you can expect in terms of discounts. Some of the popular discounts are based on your driving record, the type of bike you own and buying multiple policies from the same insurance company.

Review company ratings

Compare the service quality of various insurance companies to know which one will be the best for you. Review the company ratings. You also need to check the track record of the insurance company and learn about the average time taken to settle a claim. This will help you in making an informed decision.

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RV Insurance

by Administrator 29. May 2017 12:38

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Reasons To Have Auto Insurance

by Administrator 23. May 2017 13:03

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