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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5 Insurance Policies Everyone Should Have

by Administrator 30. October 2017 13:21

Life is uncertain, you never know what you would encounter the very next moment. Thus, it is important to protect yourself, your family and some of your most prized possessions from any risk or damage. Buying an insurance policy cannot avert the risk altogether but can certainly help you overcome the financial loss that arises along. Today, there are a variety of insurance policies available in the market, each protecting a certain group of people from a specific peril. Here we have listed certain insurance policies that everyone should have, just to play safe.

  • Home Owners Insurance – It is important to get home owners insurance policy to safeguard the property in case of loss arising out any unforeseen event in future. The insurance company ensures your house from any damage. If any untoward event like fire, storm or some other natural calamity happens and you are forced to move out temporarily while your house is being repaired, the policy covers your cost of living somewhere else for that time. It also covers your liability towards third party for any loss or damage that occurred on your property premises.
  • Life Insurance – You would certainly not want your family to face the financial havoc after you die. Life insurance policy protects your family and people who are financially dependent on you when you leave for the heavenly abode.  There are a variety of life insurance policies to choose from like term policy, whole life policy, endowment policy etc.
  • Auto Insurance – No matter whether you steer away in your new car or drive the old clunker off the roads, the law requires you to have a certain minimum amount of auto insurance. Choose a policy that covers you against theft, fire or loss due to riot & strike, medical expenses associated with the accident, damage caused to the automobile and also third party body injury and property damage liability.
  • Motorcycle Insurance – With all the cool and swag, comes an extra responsibility while you vroom your motorcycle on the streets. It is important to get a motorcycle insurance to cover bodily injury and property damage liability towards third party in case of a collision. In case you meet with an accident, it covers the damage of your vehicle as well reimburses you for the medical expenses. It also insures any loss that may arise out of theft.
  • Health Insurance –There is absolutely nothing more important than your health.  Everyone needs medical care but not everyone can afford to pay the hefty bills.  The high rising medical costs validate the need of having a health insurance policy. So plan out the amount of coverage you and your family would need depending upon the number of members and the past medical history. 

We, at Shawn Camp Insurance Agency, Inc. provide affordable insurance policies. For more information visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542 or call at (254) 526 - 0535.

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Questions To Ask When Buying Motorcycle Insurance

by Administrator 23. October 2017 20:54

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Insurance Services In Killeen, TX

by Administrator 28. August 2017 15:04

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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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Reduce Motorcycle Insurance Costs With These Tips

by Administrator 27. December 2016 09:30

Whether you use your motorcycle for daily commuting or riding on the trails, getting it insured is must. It will not only safeguard your finances in the event of theft or accidental damage but also protect you and your fellow passengers. However, choosing a suitable insurance plan that fits your budget, can be difficult.

Let’s take a look at some tips which can help you to reduce your motorcycle insurance costs in Killeen:

Extensive research is important

If you are buying motorcycle insurance for the first time, make sure you research thoroughly about the various policies. You can compare quotes from different carriers and choose the most suitable plan according to your requirements.  Reading online reviews about them can also be helpful for you. The insurance carrier you choose, should have a good reputation in the industry.

Know what you want

Make sure you scrutinize your requirements so that you can choose the suitable coverage options. This can help you to cut down your insurance cost as you will pay only for the coverage you need.

Increase the deductible

The amount to be paid to the insurance provider in case of loss is the deductible.  You can lower your insurance premium by paying a higher deductible. However, you must ask your insurance provider the exact amount by which the premium will go down.

Choose the right bike

The type of motorcycle has a great impact on the insurance rates. If you buy a sports bike, you will have to pay more for the premium. On the other hand, a cruiser bike can help you save on your insurance. Make sure you buy a motorcycle with a less powerful engine in case you want to cut down on your insurance. Avoid choosing a bike with a lot of modifications.

Check your credit score

It is important to keep a check on your credit history as it can affect the cost of your motorcycle insurance. Make sure you pay your bills on time and clear off the debts.  A low balance on credit cards can also help to improve your credit score. This can be beneficial in lowering your insurance premium.

Maintain a clean driving record

In case you have never been involved in accidents or received tickets, you have a higher chance of getting discounts on premiums. This is because Insurance providers appreciate the riders who follow the rules and drive safely. You can even take a safe driving course to reduce the risk of accidents and maintain a clean driving record.

Ask about discounts

You may ask your insurance provider for various discounts related to the motorcycle insurance. Some of them are mentioned below:

  • Pay annually: You may get some discounts if you pay your insurance premium annually rather than making monthly payments.
  • Limit your mileage: Most of the insurance providers offer discounts to the riders who drive less than average miles per year as it reduce their chances of getting involved in accidents.
  • Age-related discounts: If you are an experienced driver, you may have to pay less for the premium. However, you must confirm it with your insurance agent as the rules of each state are different. 

Seek professional assistance

You may seek professional help while looking for motorcycle insurance. The agents will analyze your requirements and help you choose an insurance plan that fits your pocket. They will also explain the various coverage options so that you can make a wise decision.

Don’t make small claims

If you have a small dent or scratch on your motorcycle, avoid contacting your insurance provider. You may get entitled to ‘No claim bonus’ in case you have not filed a claim in certain amount of time. This can be beneficial for you in the long run.

Bundle your motorcycle insurance with other policies

Having more than one policy with the same insurance provider can help to build trust and reliability.  You may get more coverage options by paying less.
If you follow these tips, you will surely be able to reduce your insurance premium.

We, at Shawn Camp Insurance Agency, Inc. provide affordable motorcycle insurance in Killeen, TX. For more information, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Checklist For Buying Motorcycle Insurance In Killeen

by Administrator 20. September 2016 12:19

If you own a motorcycle, it is imperative that you purchase an insurance policy to protect yourself, your fellow passengers as well as your investment. No matter you use the bike for daily commuting or take it for occasional adventurous road trips, insurance coverage is essential to safeguard your finances in the event of a theft or accidental damage. However, choosing the right motorcycle insurance can be troublesome, particularly if you do not have any prior knowledge in this regard.

Given below is a complete checklist for buying motorcycle insurance in Killeen:

Legal Requirements
Before you begin your search for motorcycle insurance, it is a good idea to check the legal coverage requirements in Killeen. Get information on the type of coverage and minimum limits required for the same. However, it is important to note that the basic property damage and bodily injury liability insurance may not be sufficient to cover the cost of repairing your repairing your motorcycle. Make sure you analyze your requirements and make the decision accordingly.

Shop Around
Different insurance agencies in Killeen offer varied insurance plans and coverage options which makes it compulsory to shop around in order to find the best deal. Get in touch with multiple insurance providers and compare the policies as well as premium options offered by them. You can either call the insurance agents or request an online quote for motorcycle insurance by providing the make, model, VIN, license number and other such details.

Coverage Included
You need to carefully evaluate your coverage requirements to avoid paying for unnecessary coverage while making sure that you are adequately protected against unforeseen damages. Analyze the type of bike you have, usage, riding frequency, area where you park your vehicle and other such factors to determine the coverage limits you require.

Protection For Co-Passengers
Unlike car insurance, the fellow passengers are not included in a motorcycle insurance policy. Hence, if you are planning to ride two-up, you must buy the guest passenger liability coverage to protect the pillion rider if he sustains any injury while riding with you.

For comprehensive motorcycle insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We can help you choose the right insurance plan and coverage options to protect your finances in the event of an accident or theft. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Ways To Save On Motorcycle Insurance

by Administrator 21. July 2016 07:38

An appropriate insurance policy is a must if you want your motorcycle to be fully protected in case of an unfortunate accident. While buying a motorcycle insurance policy, it is important to keep a few things in mind so that you can save money. Some of these have been listed below:

  • Size of your bike: The premium rates greatly depend on the make/model and engine capacity of the bike. A powerful engine can make the bike run at a very high speed, thereby increasing the risk of an accident. Therefore, you should try to buy a bike that is not too heavy and can be ridden rode safely. This is particularly true if you are going to buy a motorcycle for the first time. An easy-to-ride bike will help to bring down your insurance rates to a great extent.
  • Take a safety driving course: Novice or teen riders are bound to pay more money for motorcycle insurance as they are more likely to get involved in accidents as compared to experienced riders. Getting trained and certified in motorcycle riding can help you save money on your insurance policy. In a motorcycle safety class, you will learn about driving the bike efficiently while also ensuring others’ safety on the road.
  • Raise the deductible: Although increasing the deductible means you will have to shell out more money in case of an accident, it can significantly reduce your insurance premiums. However, you should raise your deductible only after evaluating your finances to see if it is an affordable option for you.
  • Drive less: If you ride your bike on a daily basis, there is a higher probability that you will have to pay a higher insurance premium. Even if you have a safe driving record, being a frequent rider increases your risk of being involved in a road accident. In order to save money on motorcycle insurance, you may consider riding your bike occasionally and ask for discounts on low annual mileage.
  • Store your bike safely: Installing an anti-theft device in your bike or parking it in a locked garage can bring down your insurance premium rates. Insurance companies charge less from riders who have a safer storage facility as this lowers the chances of the bike being stolen.

We, at Shawn Camp Insurance Agency, Inc., offer affordable motorcycle insurance policies in Killeen, TX. 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.

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Stay Protected With Motorcycle Insurance

by Administrator 14. March 2016 11:01

Motorcycles are expensive and must be protected against harm. While on the road, there may be many things that can go wrong with the vehicle. Insurance gives a sense of security and guarantee in case the motorcycle is damaged in an accident or requires repairs. It is best to insure against all eventualities so one does not get burdened with financial liabilities in case of a mishap. Motorcycle insurance is also like auto insurance where there will be a set limit up to which the company will pay and the rest will have to be paid by the owner.

  • Claims: When involved in an accident or breakdown, it is advised to immediately get in touch with the insurance agent. He will come and assess the situation to determine the liability accrued to the policy holder.
  • How much is enough: Based on the make and usage of the bike, one may decide on what type of insurance policy one would like to take. There could be a standard policy and if the bike is premium, one may customize the policy to include features suited to their needs.
    • Personal injury coverage: This insurance pays for any bodily harm caused to the rider while riding the bike.
    • Property damage liability coverage: If the bike causes any harm to someone else’s vehicle, property or other structures, this cover will help to pay for those damages.
    • Collision cover: If the bike is involved in any sort of collision with another vehicle, pole or divider, this cover will pay for damages caused to the motorcycle.
    • Medical Payments: All hospital bills, doctor fees get covered under this. One may take this for personal claim or for the injury caused by the vehicle to pillion rider or third party.
    • Theft and Vandalism cover: This helps if you frequently use your bike for trips where it may have to be parked at unknown locations.
    • Customized parts: This covers damage or repair of any customized parts in the bike like GPS system, accessory socket etc.
    • Roadside assistance: In case of breakdown of the bike, roadside assistance helps in towing and repair of the vehicle.

It is recommended to consult an insurance agent and work out the best policy according to your individual needs. He will help you to compare policies and evaluate the discounts offered by various carriers before signing a policy.

We, at Shawn Camp Insurance Agency, Inc., can help you find suitable motorcycle insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

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Motorcycle Insurance Killeen: Commonly Asked Questions

by Administrator 14. December 2015 13:17

Insuring your motorcycle will give you peace of mind and help to enjoy your bike ride to the fullest. Every bike owner wants to know what all coverage is required for his vehicle and how he can save money on overall insurance costs. There are several questions that you need to be clear about. Following are some of the commonly asked queries about motorcycle insurance:

How much cost do I need to incur for my policy?

While some states require you to get a certain type of coverage for your bike, others may not make it mandatory. Broadly, you require two major types of coverage in your motorcycle insurance policy – Uninsured Motorist Coverage and Bodily Injury Liability. The rates for both these types need to be at least $100,000 per person/$300,000 per occurrence.

How is my motorcycle insurance rate determined?

Some of the factors that establish your insurance rate are:

  • Type of motorcycle you own
  • The area where you reside
  • Your driving history
  • Age
  • The types of coverage mandatory for your bike under state law
  • Your financial history

Is my optional equipment covered?

If you have got a customized seat or a special part in your motorcycle after buying from the manufacturer, make sure to ask your insurer if all the optional equipment are covered in the policy. There are many policy providers who give comprehensive coverage but it may differ from agent to agent.

Should I buy collision coverage if I possess an old bike?

This will entirely depend on your situation. If you think your bike is less in worth than the amount of money you are paying for collision coverage, it is advisable to limit or drop collision coverage. However, if you are still repaying your motorcycle loan, the bank will require you to protect its investment with collision and comprehensive coverages. In case you completely let go off this coverage, you will have to incur the entire cost of repair or replacement. Therefore, you need to find a middle path and balance both the factors.

Can I avail any discounts?

There are some insurance agencies that offer multi-policy discounts. So, apart from your bike you can also buy another policy from the same insurance provider. Confirm from your respective agency as to what all multi-policy discounts they offer their customers. As far as motorcycle-specific discounts are concerned, you can get concession if you have undertaken safety courses, have an airbag or anti-lock brakes etc.

What are the available payment plans?

Most of the insurance agencies will give you the flexibility of paying your premium in full or installments. It is wise to confirm from your provider what all options they have in store for you.

If you are looking for affordable motorcycle insurance in Killeen, TX, feel free to contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

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