Beginner's Guide To Motorcycle Insurance

by Administrator 24. April 2017 15:51

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Tips To Save Money On Motorcycle Insurance

by Administrator 12. January 2015 06:42

Given the increased risk involved with driving a motorcycle, not getting proper insurance is not just unsafe, but also illegal. Many people believe that purchasing motorcycle insurance is an unnecessary expense. However, not getting proper insurance is illegal and turn out to be very expensive in the long run. Following a well-informed approach can help you save on your insurance premiums while getting yourself financially covered in the event of unforeseen circumstances.

Here are some tips that can help you save on motorcycle insurance:

  • Raise Your Deductibles: This is the amount you need to pay towards a claim before your insurance policy comes into effect. Increasing your deductible will considerably reduce the amount you have to pay for your motorcycle insurance. However, make sure that the deductible is not too high and you can easily pay the amount.
  • Look For Discounts: There are many insurance companies that offer various discounts for applicants who meet a certain specified criteria. These may include people who do not use the motorcycle on a regular basis or have a clean driving record. Make sure you ask your insurance agent about any such discount that can help you save money.
  • Exclude Rash Drivers From Your Policy: If you have someone in your family with a flawed driving record, make sure you do not include them in your policy. They can cause your motorcycle insurance premiums to be a lot higher than what you would need to pay otherwise. 
  • Avoid Making Small Claims: Remember that insurance policy provides you coverage at the time of considerable losses. Filing for infrequent or small claims can increase your chances of getting rejected when you are in real need of financial aid. As far as possible try to make a single claim in a year.
  • Ride Alone: If you ride your motorcycle alone, you can save a lot by skipping the passenger liability coverage. However, you must keep in mind that avoiding this coverage means that you cannot have a fellow passenger on your bike ever.
  • Avoid Sports Models: The makes and models of bikes also play a major role in determining the insurance premiums. Insurance companies charge much higher rates for high performance motorcycles that involve more risk or have parts that are not easily available.

For more information about motorcycle insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We offer affordable insurance policies tailored to the needs of clients. Call us at (254) 526-0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542 to know more.

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What Type Of Motorcycle Insurance Do You Need?

by Administrator 12. December 2014 14:55

If you own a motorcycle then it is mandatory for you to get the motorcycle insurance. Riding a motorcycle without valid insurance coverage is illegal and you may face conviction for it. However you need to understand the different types of motorcycle insurance covers available in the market as every rider has different needs and usage of the vehicle. Thus it is essential that you access your requirements in order to decide the type of insurance that you should buy.

Here are a few different types of motorcycle insurance:

  • Fully Comprehensive: This is the costliest type of cover that offers maximum security. It covers you against damage to a third party and their property, bike being set on fire, being stolen, and any type of damages to the bike due to vandalism, flooding, etc.
  • Third Party Only Insurance: This basic type of motorcycle insurance covers you against the damage to a third party’s property, or themselves in case you are involved in a collision. It does not cover motorcycle repairs or any medical bills for injuries that you suffer due to collision. The insurance will also not cover you against your bike being stolen or set on fire.
  • Third Party Theft & Fire: This insurance type is similar to third party only insurance. The only difference is that it covers your bike for fire and theft. It also pays for the retrieval and restoration of your bike after damages.
  • Personal Injury Protection: This insurance cover pays for the medical costs to you and the co-passenger without considering who was at fault.
  • Bodily Injury & Property Damage Liability Coverage: It covers damages incurred by the other party when it was your fault.
  • Custom Parts & Equipment: This insurance policy covers the custom parts and equipment that you have use in your bike.

The insurance price is less for bikes that are parked in a secure place as is for bikes with an alarm system and lower mileage. If you have completed a motorcycle-riding course from any institute then also you can claim a low priced insurance. However you must take good care of your motorcycle and keep your driving record clean to ensure that you get a cheap quote from the insurance provider. The type of coverage also depends upon the state where the bike is registered. Also most insurance providers do not offer coverage for modified and custom bikes.

we, at Shawn Camp Insurance Agency, Inc. provide unmatched motorcycle insurance deals to the clients in Killeen, TX. We have customer centric approach and offer different types of insurance covers to suit all motorcycle riders.

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