Checklist For Buying Motorcycle Insurance In Killeen

by Administrator 20. September 2016 12:19

If you own a motorcycle, it is imperative that you purchase an insurance policy to protect yourself, your fellow passengers as well as your investment. No matter you use the bike for daily commuting or take it for occasional adventurous road trips, insurance coverage is essential to safeguard your finances in the event of a theft or accidental damage. However, choosing the right motorcycle insurance can be troublesome, particularly if you do not have any prior knowledge in this regard.

Given below is a complete checklist for buying motorcycle insurance in Killeen:

Legal Requirements
Before you begin your search for motorcycle insurance, it is a good idea to check the legal coverage requirements in Killeen. Get information on the type of coverage and minimum limits required for the same. However, it is important to note that the basic property damage and bodily injury liability insurance may not be sufficient to cover the cost of repairing your repairing your motorcycle. Make sure you analyze your requirements and make the decision accordingly.

Shop Around
Different insurance agencies in Killeen offer varied insurance plans and coverage options which makes it compulsory to shop around in order to find the best deal. Get in touch with multiple insurance providers and compare the policies as well as premium options offered by them. You can either call the insurance agents or request an online quote for motorcycle insurance by providing the make, model, VIN, license number and other such details.

Coverage Included
You need to carefully evaluate your coverage requirements to avoid paying for unnecessary coverage while making sure that you are adequately protected against unforeseen damages. Analyze the type of bike you have, usage, riding frequency, area where you park your vehicle and other such factors to determine the coverage limits you require.

Protection For Co-Passengers
Unlike car insurance, the fellow passengers are not included in a motorcycle insurance policy. Hence, if you are planning to ride two-up, you must buy the guest passenger liability coverage to protect the pillion rider if he sustains any injury while riding with you.

For comprehensive motorcycle insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We can help you choose the right insurance plan and coverage options to protect your finances in the event of an accident or theft. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Guide To Buying Boat Insurance In Killeen, TX

by Administrator 13. September 2016 12:01

Buying boat insurance is completely different from getting a homeowners or an auto insurance policy. Before finalizing a specific boat insurance policy in Killeen, TX, you need to conduct proper research and compare the rates being offered by various insurance agencies.

You can research about the insurance carriers online and check their ratings. Also, make sure you get the requisite coverage as this can save you from financial hassles if anything damages or destroys your boat later on.

Below is a guide to buying boat insurance in Killeen:

  • Limitation in homeowners’ policy: Homeowners insurance typically does not provide requisite coverage for marine-specific risks. However, there are many policies that have a provision of ample coverage for small boats. It is best to consult your insurance agency about how you will be paid in case of any damage to your boat.
  • Insurance factors to be considered: Before opting for a boat insurance policy, you need to consider certain factors such as your boat type, length, actual value, area of operation and the number of owners. These factors will help you narrow down your options and choose a policy that suitably accommodates your requirements.
  • Types of coverage: Some common types of coverage included in a boat insurance policy are:
  1. Specialized coverage: In this coverage option, the insurance company will pay for any damage caused to specific equipment or an expensive item on the boat.
  2. Consequential damage: The insurance company provides compensation for damage due to wear and tear.
  3. Cruising extension: This is a temporary coverage under which you will be provided additional coverage if you want to leave the country.
  • The claims process: You need to clarify about the claims process from the insurance company before finalizing the policy. It is best to keep the proof of insurance on your boat in case you need to make a claim immediately. Some insurance companies also provide assistance for towing and salvaging the boat after an accident. However, you need to know these factors in advance rather than asking at the time of filing the claim.
  • Hurricane plan: If you sail your boat in a hurricane zone, your insurance provider may ask you to get a hurricane insurance plan. The safety of the area where you park your boat can also affect your insurance rates. However, you will need to comply with the state rules and get the insurance plan accordingly.

For comprehensive boat insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. For details about the coverage options, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.


Questions To Ask Your Insurance Agent In Killeen

by Administrator 6. September 2016 08:00

Having an insurance policy can protect your home, vehicle as well as other valuable assets from theft, vandalism and various natural disasters. However, you may have certain queries while choosing an appropriate policy. Listed below are some questions which you must ask your insurance agent to make the right decision:

What kind of coverage do I need?

You should analyze your requirements and budget before choosing an insurance policy. There are various types of coverage such as liability, medical payments, umbrella coverage, comprehensive and collision coverage etc. Make sure you pay only for the coverage that you absolutely require.

What is the procedure for filing a claim?

To file a claim, you can call your insurance agent as soon as possible. All relevant documents should be submitted to the insurance provider so that you can get the claim easily.  In case of police involvement, paperwork from their end may also be required. Your insurance agent will provide you complete guidance in filing a claim.

How can I save money on insurance?

You can get tips from your insurance agent to reduce your premium. If you have undertaken a safety course and have airbags or anti-lock brakes in your vehicle, you can get discount on your auto insurance policy. Opting for a higher deductible can also reduce your premium amount.

How can I make my premium payments?

Once the premium amount is fixed, you will be asked to choose the payment method for the premiums. You can either pay by check, cash or online. Your insurance provider will give you a date by which the payment must be made every month.

How much will it cost?

The cost of insurance depends on the type of policy you choose. If you need complete coverage for your home or vehicle, you may have to pay more. Make sure you choose the coverage options according to your requirements.

What effect does my credit history have on my insurance?

Having a good credit record can help you improve your creditworthiness. So clear off your debts and pay your bills on time to improve your credit score as this can help you save money on your insurance. You can contact your insurance agent for more details.

We, at Shawn Camp Insurance Agency, Inc., provide affordable insurance in Killeen, TX. For more information about coverage options, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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