Tips For Buying Motorcycle Insurance In Killeen

by Administrator 6. May 2016 12:10

Motorcycle insurance is imperative to provide financial protection to the rider as well as the bike. The risk of injury is high while driving a bike and even the most seasoned riders can fall prey to over speeding despite taking the precautionary measures.

Types of motorcycle insurance coverage:

  • Comprehensive coverage: It provides coverage for damage caused due to theft, vandalism, fire, storm etc.
  • Personal injury protection (PIP): It will pay for the medical bills in case you get injured while riding the motorcycle, regardless of who is at fault.
  • Collision coverage: The insurance company will provide coverage in case you have an accident with another vehicle or object.
  • Accessory coverage: You should include this in your policy if you want coverage for any customized accessories you might have added to your bike.

Below are some useful tips for buying motorcycle insurance in Killeen:

  • Shop around: Different insurance carriers in Killeen offer varied rates of interest. Therefore, it is important to shop around and consult at least three insurance providers to compare the rates of interest. You can get a lower rate of interest depending on your driving record, credit history, type of bike, your location etc.
  • Select the plan you require: You can decide the amount of coverage you require by taking into consideration the type of bike you ride and its usage. You can take your pick between a simple liability plan and a comprehensive plan. You also need to take into account the area in which you drive your two-wheeler. Keeping all the above factors in mind, you can choose the limit of insurance coverage that you need.
  • Protection for co-passenger: Your co-passenger requires a separate insurance cover as he is not automatically covered under your insurance plan. Therefore, it is crucial to buy Guest Passenger Liability coverage to protect your co-passenger in case he gets injured while you are riding the bike.
  • Ask for discounts: A motorcycle training course can help you become a safe rider and consequently make you eligible for insurance discounts. Apart from this, insurance companies also offer discounts to the riders with clean driving records. It is important to talk to your insurance provider to know what all reductions you can get in the insurance rates.

Shawn Camp Insurance Agency, Inc. offers a wide range of motorcycle insurance coverage options to the clients in Killeen, TX. For details, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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