Tips For Comparing Motorcycle Insurance Quotes

by Administrator 16. November 2017 13:13

We all want to get the best motorcycle insurance deals and for that it is imperative to compare the insurance quotes being offered. Be very clear in your mind about the type of coverage you are looking for.

There are three important factors to be considered when comparing motorcycle insurance quotes:

1. Insurance premium

2. Coverage offered

3. Terms of coverage

Types Of Motorcycle Insurance

Collision Insurance – This type of policy covers damages that arise due to collision only.

Comprehensive Insurance – It covers a wider gamut of issues like theft, unforeseen natural disasters, etc.

Uninsured Motorist Insurance-The policy covers the damage caused by collision with an uninsured motorist.

Custom Parts And Equipment Insurance-This type of insurance covers expensive accessories and equipment on your motorcycle but only up to the policy’s limit. It does not cover accessories and equipment’s which are factory fitted.

Bodily Injury And Property Damage Liability – In case you are at fault in an accident, this policy type covers the medical and property damage expenses to the third party.

Let’s take a look at some tips which will help in delving deeper into the comparison of motorcycle insurance quotes:

Coverage Levels

Make up your mind as to the coverage levels you are looking for. These levels will determine the maximum amount up to which the insurance companies will cover the loss. So when comparing the insurance quotes, compare insurance companies that have the same coverage levels. However you have to read the quote properly to know what the actual coverage is and the exact amount that’s being covered.

Discount

Call up the insurance agency to get all the information regarding the discounts they offer. This will help you gain an insight as what works the best for you.

Your Bikes Worth

 Know what your motorcycle is worth and it will be easier for you to compare the insurance quotes. The coverage you are seeking should be proportionate to what you think your motorcycle is worth. If you have customized it with expensive parts, you will want to get the accessories covered, which will have a bearing on the type of insurance you are in search for. The same rule applies to the age of your motorcycle. A newer bike is worth more coverage and higher premiums.

Compile Important Information

If you are keen on a competitive insurance rate, some details might prove beneficial. You must know the VIN of your bike, its title and registration details, the chronology of its riders till date, its history regarding previous claims, accidents etc. These and any other relevant details will put you on a better footing to get the best insurance deal for your bike.

For affordable motorcycle insurance, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 - 0535.


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Simple Car Maintenance Tips To Lower Your Insurance Premium

by Administrator 14. September 2017 10:02

Regularly maintaining you car well translates to fewer accidents on the road and this consequently affects your insurance premium. Fewer insurance claims may bring down your insurance premium or maybe an annual discount from your insurance provider. Therefore, make an effort to have a clean driving record and ensure that your car is in optimum working condition always.

Some simple car maintenance tips that can lower your insurance premium are:

  • Tires: Switch or rotate your tires often so as to guarantee even wear and tear. The time between two rotations entirely depends on your car model, tire type and usage. Regular rotation will not only prolong the life of your tires but also enhance your vehicle’s performance. Winter tires are a must for those residing in areas that receive heavy snowfall. The tread pattern and rubber used in these tires is perfect for driving in snowy conditions.
  • Oil: The number of miles you require between oil changes depends on the type of oil used in your car. The car make and model are other significant factors that determine the time period between oil changes. Regular oil changes ensure that you get better gas mileage and an improved engine performance. It is best to use high quality oil to remove debris from the engine and keep it running smoothly.
  • Lights: The headlights, brake lights and tail lights need to be in the best working condition to avoid any accident on the road. Clean and fully functional lights are important to communicate with other drivers on the road. Remove dirt or snow accumulated on the car lights and change any faulty bulbs as soon as possible.
  • Filters: The engine air filter must be completely clean because it affects the performance of your car. The air filter helps in stopping the entry of any dirt or debris into the car engine and causing damage. Prolong use of a dirty filter will reduce the car mileage, so change the air filter after every 35,000-40,000 miles.
  • Brakes: The brake pads and shoes also experience wear and tear and need to be changed after a period of time. Check the brakes regularly to detect any changes or unwanted noises. Pay attention to any screeching or grinding noises and make a trip to the mechanic at the earliest. There can also be a warning sign on your dashboard to indicate some problem in the brakes.
  • Belts: The function of the timing belt is to rotate the crankshaft and camshaft so that they work in tandem with each other. This ultimately helps in smooth functioning of the engine valves and keeps your vehicle in good working condition. Any fault in the timing belts can cause serious damage to the engine, so replace the belts after every 60,000 to 100,000 miles.

For affordable car insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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How Are Car Insurance Rates Determined

by Administrator 17. May 2017 11:57

Have you ever thought why the premium rates of two customers purchasing the same type of car are different? This is due to the fact that there are many factors are responsible for the variation in the car insurance rates. These rates are determined by the risk evaluation experts based on the amount of risk the company is taking by insuring a particular type of vehicle. Higher the risk involved, higher will be the insurance rates.

Given below are some of the important factors that help in determination of car insurance rates.

  • Value of car: Insurance rates for expensive cars like SUVs and similar luxury vehicles will be higher than the smaller cars as the insured declared value of costly cars will be higher. Even two cars of same cubic capacity manufactured by different companies will have a difference in their prices. This eventually reflects on the insurance premium that you need to pay.
  • Driver's history: Those having a poor driving record or a history of accident, drunken driving conviction or over speeding fines are charged a higher insurance rate. This is due to the increased amount of risk of claim that has to be taken into account by the insurance company.
  • Type of car: Different types of cars are equipped with diverse safety and security features. The enhanced safety of a car can be assessed by factors such as: car damage history and number of accidents of a particular type of vehicle. If you own a car model that has a record of higher number of claims, you will be charged a higher rate for your insurance policy.
  • Demographics: Insurance rates vary for different zones and are determined on the basis of number of theft and insurance claims in a particular area. Densely populated areas have a higher number of theft incidents and accidents. Hence, cars purchased by customers in these areas are automatically charged a higher rate of insurance premium.
  • Age of the customer: Generally, young drivers are prone to accidents as they drive more swiftly as compared to old-aged drivers. Therefore, people buying a car at younger age will be charged a higher rate of insurance premium due to the increased amount of risk associated with them.
  • Usage of vehicle: The car which is being used for commercial purposes will remain on the road for a higher period of time and is consequently more prone to accidents. Hence, such types of cars are charged a higher rate of insurance premium than the cars used for personal purposes.
  • Occupation of the buyer: Individuals in the occupation of sales and marketing, or politicians etc. have a higher risk of casualties and thus will be charged more for car insurance as compared to those in desk jobs such as operation staff working in the back office etc.

For affordable car insurance in Killeen, TX, get in touch with Shawn Camp Insurance Agency, Inc. We can be contacted at (254) 526 – 0535.

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