Guide To Choosing The Right Motorcycle Insurance

by Administrator 19. March 2019 07:16

If you own a motorcycle, it is important to get it insured. Motorcycle insurance provides a financial cushioning to the owner in case of an accident and offers coverage against liabilities like bodily injury, property damage, comprehensive & collision, medical payments etc. The choice of motorcycle insurance depends upon numerous factors like the type and size of bike, rider’s history, etc.

Following are some points that can be helpful in choosing the right motorcycle insurance:

  • Knowledge About The Requirements: Before choosing a motorcycle insurance policy, you should research about the insurance requirements mandatory in your state. Most states require the motorcycle owner to have a basic liability insurance. However, you can buy additional coverage as per your individual need. 
  • Coverage Options: It is important to have thorough knowledge of the coverage options available in the market. You can choose from various motorcycle coverage options such as comprehensive coverage, uninsured/underinsured motorist, medical coverage, roadside assistance, etc.
  • Discounts: Insurance providers may offer various discounts to their clients based on factors like a clean driving record, a motorcycle rider training course, being a part of a motorcycle rider’s organization, additional safety accessories attached to the vehicle, condition of the motorcycle etc. Ask your agent if you qualify for any discount and provide proper documentation to support your qualification.
  • Know The Factors That Affect The Insurance Premium: The cost of motorcycle insurance is governed by numerous factors including personal factors like age and occupation of the rider, experience as a rider, previous riding record, ticketing history, area of residence etc. It is also affected by the type of bike (make and model), vehicle’s security features, safety ranking of the motorcycle, average usage of the motorcycle and more. Having thorough knowledge about these factors can help you choose the right insurance plan at the right price.
  • Look Into The Process Of Filing A Claim: Before choosing an insurance plan, you should know the process of filing a claim. Ask your insurance provider about the timeline and hierarchy of claim procedure. It is important to know the details such as the point of contact for filing the claim, waiting period, deductibles etc. 

Consider the various insurance plans available for you and choose the one that offers maximum coverage and hassle-free claims process at the right price. 

Shawn Camp Insurance Agency, Inc. provides affordable motorcycle insurance in Killeen, TX. Clients can choose from a wide range of coverage options or get a personalized coverage to fit their requirements. They can also request free online quote for desired coverage. To know more about motorcycle insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX-76542 or call at (254) 526-0535. 


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