What Impacts Your Auto Insurance Rates

by Administrator 23. November 2017 13:24

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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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Ways To Save Money On Homeowners Insurance

by Administrator 7. November 2017 13:17

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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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Reasons To Buy Renters Insurance

by Administrator 17. October 2017 21:03

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Home Insurance: Do's And Dont's

by Administrator 25. September 2017 11:27

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Types Of Auto Insurance Coverage

by Administrator 21. September 2017 15:37

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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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Insurance Services In Killeen, TX

by Administrator 28. August 2017 15:04

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