Things To Consider When Looking For RV Insurance

by Administrator 18. February 2015 08:10

If you own an RV you must carefully select an affordable and all-inclusive insurance policy for it. You need to make sure that you are receiving the most favorable quote for your insurance, not only in terms of policy premiums, but also for the coverage part. Whether you use your RV on a frequent basis or as a seasonal traveler, buying insurance will help you in case of any damage to your vehicle.

Given below are a few important things that you need to consider while looking for RV insurance in Killeen, TX:

  • You should make sure that you request quotes from multiple insurance agencies. This will give you a clear idea of the features that are typically available in the policy and help you make savings. 
  • Many factors decide the premiums that you need to pay for your RV insurance. Some of them are the RV model, coverage options, driving record, vehicle usage etc. Maintaining a claims free record and using the RV safely can help you bring down the cost of your insurance policy.
  • In case you have made any additions or modifications to your RV, you must openly discuss this with your insurance agent. This will make sure that everything is taken into account if your RV ever sustains significant damages that require filing a claim.
  • As you might use your recreational vehicle for long distance trips you should try to look for a policy that offers roadside assistance in case of an accident or breakdown.
  • If possible, opt to pay a higher amount from your pocket in case of any damage to the RV. This will also help to reduce the monthly payments that you will have to make towards the insurance.
  • Your RV will probably comprise of many expensive electronic items and personal stuff such as television sets, laptops and other valuable items. Hence, it is essential to confirm that the insurance policy you are considering provides sufficient coverage for any personal belongings damaged or stolen from your RV.

We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable RV insurance policy available in Killeen. Our agents offer customized insurance plans according to your needs and budget. For more information, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Questions To Ask Before Insuring A Motorcycle

by Administrator 11. February 2015 11:54

Purchasing motorcycle insurance can be a confusing and frustrating decision to make especially if you are not aware of all the aspects of your policy. It is always beneficial to ask certain questions to the insurance provider before buying motorcycle insurance.

How they determine the value of your motorcycle insurance?

It is crucial that that you know what is the cash value of your motorcycle as you will receive the compensation accordingly. This will help you claim in case your bike is damaged in an accident, vandalized or stolen. Over insuring the bike is waste of money and you must ask the insurance provider how the value is calculated. You should make sure that you clear all queries and confusion before signing any document.

How the company classifies your motorcycle?

Before you purchase insurance, it is important to know in which category your insurance company classifies your motorcycle. If you have a sports bike, then the chances are high that you will end up paying higher insurance rates. As sports bikes are considered high performance vehicles they are often driven at high speeds, which makes them more susceptible to accidents. It is also important that you ask your insurance provider about the motorcycles that are affordable to insure. The cost of insurance can have a significant effect on the total cost of owning a motorcycle.

How can I reduce the cost of insurance?

Certain training courses help you reduce the cost of the insurance policy. You should ask your insurance company the courses they recognize and the amount that will be reduced if you successfully complete the course.

What coverage is compulsory?

While some coverage is optional, others are mandatory which may include uninsured auto coverage, accident benefits coverage, direct compensation-property damage and third party liability insurance.

What optional coverage they offer?

Ask your insurance provider about optional coverage, which may include collision, comprehensive insurance, named perils and all perils.

How much insurance should I take?

The amount of insurance depends on your specific situations, the age of your motorcycle, number of dependents, etc. You can consult with an agent who can help you pick the right policy that fits your needs.

What discounts they offer?

You should also ask the insurance provider if they offer discounts. Certain criteria such as age, multiple policies, club memberships, how much you ride the motorcycle, driving record and features available in your bike such as anti theft devices can help you claim good discounts.

It is also vital that you enquire about the claim procedures so that you do not have to face any problems at a later stage. You should make sure that you understand your policy well before you sign it.

We, at Shawn Camp Insurance Agency, Inc, provide you with a wide range of insurance policies available in Killeen, TX. The agents at our firm will provide you thorough guidance and will also answer to all your queries regarding motorcycle insurance. You can contact us at (254) 526-0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Boat Insurance In Killeen, TX

by Administrator 4. February 2015 09:08

Many people overlook the importance of getting boat insurance; however, it is imperative if you own a boat. Your boat may be stolen vandalized or damaged in an accident and the insurance will pay for the costs incurred. In certain states, it is mandatory to have boat insurance in order to transport or operate it. Even the financers recommend boat buyers to have insurance, as it keeps them and the buyers covered in case of any damages or liabilities. As you purchase insurance for your car, home and property you should research and purchase the most profitable boat insurance.

Boat insurance has a number of benefits and covers you in case of fire, sinking, theft, vandalism, storms, collision, stranding and explosion. It also covers the boat, the motor and the trailer even in the event of malfunction. Most of the insurance companies offer Watercraft liability and Watercraft Medical payments and options may vary from company to company. The Watercraft Liability covers you in case of an accident in which you are at fault. However the Watercraft Medical payments pay for any medical bills incurred by you or occupants of the boat. The liability coverage covers the damage to other vehicles if you are involved in accident. The uninsured boat coverage covers your boat’s replacement and repairs in case there is any collision with another boat that is uninsured.

Other optional coverage that you may get is emergency services, repairs, wreck removal, etc. Wreck removal insurance can help you raise a wrecked or sunken boat so that the insurance provider can access the damages to decide your claim. It is quite expensive to repair or replace a boat; however, if you have insurance coverage, you can easily get your boat repaired. You should make sure that you choose an effective insurance policy that comes with affordable premiums. These usual

ly depend on age, gender, type of boat and your location. You should try to choose a policy that covers physical damage coverage, liability coverage, uninsured boat coverage, towing and assistance coverage and

medical payments.

It is essential that you invest in boat insurance in order to protect your investment. If you have bought a boat, you should immediately get the policy; however, it is crucial that you choose the right insurance provider. You should research about the insurance company and ensure that they offer the best coverage at affordable premiums.

We, at Shawn Camp Insurance Agency, Inc. help you choose from a wide range of boat and watercraft insurance policies available in Killeen, TX. For details, call us at (254) 526-0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also visit our website to request a quick online quote.

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