Insurance For Different Types of Bikes In Austin TX

by Administrator 18. July 2013 04:46

A motorbike is a highly valued possession that any individual would own. To ensure that you have financial resources to fall back upon in case this prized possession of yours is stolen or something untoward happens, it is always a wise decision to go in for insurance.

We, at Shawn Camp Insurance are a leading insurance group in the region when it comes to motorbikes. We let you build a customized policy to fit your needs. Our standout feature is the round the clock insurance assistance provided to the customers. So any time you have a query regarding our motorcycle insurance, you can get in touch with our team by visiting

Read on to know about the various options that you could avail for bike insurance with us:

  • Depending upon your specific requirements, you can choose a motorbike insurance plan that is just right for you. You can avail various insurance plans such as Accessory Coverage, Medical Payments, and Comprehensive and Collision Coverage, just to name a few. You just have to give a motorcycle insurance quote and can get in-depth information about the appropriate options for you.
  • The biggest advantage that you have with our insurance company is that we are not just restricted to the motorcycle segment. If you are looking for insuring any kind of two-wheeler, you can easily do so. Some of the prominent segments covered by us are: scooter insurance, motorcycle insurance, classic motorcycle insurance, dirt bike insurance, and motocross insurance.
  • Motorcycle insurance quotes from our website are available round the clock. This allows you to review your options regularly and go for a coverage plan that justifies your requirements for your motorbike.
  • Once you have taken a policy, but wish to change it later on, you can do that conveniently. All you are required to do is fill an online form requesting a change in policy, and select the new policy service option you would like to go for.

So if you are looking for getting the best insurance coverage for your bike, then choose Shawn Camp Insurance. You get the best deals and save money as well!

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Motorcycle Insurance Buyer’s Guide

by Administrator 19. June 2013 07:11

Riding a motorcycle carries more risk than driving a four wheeler, which makes it all the more important to choose your insurance plan carefully. In some states, you have to show proof of insurance before you can legally purchase a motorcycle. While the legal motorcycle insurance requirement in most states is that of liability coverage, it is advisable to get comprehensive coverage, since this would cover expensive medical bills in case you are hospitalized. Interestingly, your driving record on four wheels shall dictate how much you pay towards insurance premium for your motorcycle.

Other factors that shall determine how much you pay for your motorcycle insurance include your age, the type of motorcycle you ride, where you shall store it, etc. You can bring down your insurance premium by buying it from the same insurance company that you use for your auto insurance.

Here’s a look at the types of coverage included in motorcycle insurance-

  • Bodily injury liability and property damage liability- If you are riding a bike in Killeen, TX, this is the minimum coverage that you shall need to have. This covers expenses of bodily injury and property damage to others, in an accident in which it was your fault.
  • You shall need to purchase additional guest passenger liability coverage for injuries caused to a passenger riding with you.
  • Comprehensive and collision coverage- This coverage pays in case of damage caused to your bike in an accident (collision coverage), or other incidences like vandalism, theft, fire, etc. (comprehensive coverage). The insurance company shall pay for repairs, or for the total value of the bike depending on the extent of damage.
  • Uninsured motorists’ coverage- While this is not mandatory for bike riders in Killeen, it is advisable to buy this coverage, as it can avoid you having to pay for hospital bills in an accident with a motorist with no insurance or insufficient coverage.
  • Accessory coverage- This extends to any parts or accessories that were not originally installed by the manufacturer. This includes GPS systems, stereo systems, sidecars, custom paint, safety riding apparel, and even permanently installed electronic equipment like bolts and brackets.

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Secrets To Cheaper Auto Insurance In Austin TX

by Administrator 20. May 2013 12:39

Being a smart driver can go a long way in bringing down the monthly insurance costs on your vehicle. All that you need to do is understand what your insurance company wants, which is usually just a few simple tweaks here and there. The following are top secrets to cheaper auto insurance tell you just what you can do to see those dreadful figures going down-

  • It all starts from the very first step of applying for car insurance. You will be amazed at the wide difference in prices offered by different companies in exactly the same situations. That is why it is a good idea to carry out the application process online, since that makes it a lot easier to shop around.
  • Once you have decided on the right insurance policy for you, you need to ensure that all vehicles owned by you are under the same policy. This is because almost all insurance companies offer significant discounts on subsequent vehicles.
  • The same stands true for your home insurance and property insurance. Clubbing these insurances with your auto insurance can further add to your multiline discounts.
  • The deductible you agree to pay is the amount you shall need to pay upfront in case of a collision. Increasing this to as much as you can afford can help to lower your auto insurance costs.
  • In case you are driving an old car, it might be a good idea to do away with the collision coverage on it, since this might eventually end up costing you more than the actual value of the car.
  • You need to be extra careful on the road, and make an effort to be a safe driver. Tickets can ruin your driving record and shoot up insurance premiums. As for accidents, these stay on your record for six years, leading to you paying extra premiums through this period.
  • Getting a factory-approved alarm system or an anti-theft system installed in your car can also make you eligible for an anti-theft discount. This is because such a system makes your car less prone to theft.
  • Finally, there are certain driving courses that you can take based on your level of competency, to decrease your insurance premium. Talk to your insurance company about these

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Buying Car Insurance For Women

by Administrator 6. May 2013 08:48

While it might sound absurd, buying car insurance for women is a completely different story than buying car insurance for a male driver, since there is an undeniable difference in how men and women drive, on an average. Statistics show that women are much less likely than men to be involved in a major accident, and when it comes to women, the major concern is of minor accidents. The following guidelines tell you how to go about buying car insurance for women-

  • As a female driver, you need to take extra caution to protect your car from theft and vandalism. There are several ways you can do this, the most effective being getting an immobilizer and an alarm installed in your car. If the security system you opt for is improved by insurance companies, it shall help to bring down your insurance cost.
  • Think twice before making any drastic modifications to your car. As far as possible, make sure all the accessories you have are factory-owned ones that came with the car. Anything you add on top of that is likely to up your insurance cost.
  • When it comes to regular maintenance of one’s car, it is important not to neglect or ignore some important aspects of maintenance. Remember to take your car for servicing whenever it is due, and also look out for the basics. This includes keeping an eye on the condition of your car’s tyres, filling the washers, checking oil and coolant levels, etc.
  • It is advised to add an experienced driver to your policy, as this might help to bring down your premium. While this might not always be the case, it is definitely worth a try. If you are requesting quotes online, you can try comparing rates when you are listed as the only driver, and when you have an experienced driver listed in addition.
  • You can also discuss with your insurance company if there are any driving courses or certificates that you can attend that could help to bring down your insurance premium. Sometimes just a couple of hours on an online course can help to reduce your insurance premium by a few dollars. Also remember to keep an eye on your no-claims bonus, which can be as high as 65% in 4 years.

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How To Save Money On Commercial Auto Insurance

by Administrator 17. April 2013 08:31

Commercial auto insurance is a necessity for any business that owns bulk vehicles. While it seems to be an unnecessary expense from a business owner’s point of view, the long-term financial benefits cannot be overlooked. The trick is to get an auto insurance policy that offers sufficient coverage within an affordable budget. The following tips guide you on how to save money on commercial auto insurance.

  • Opt for a higher deductible- The amount of deductible you choose plays a key role in determining the annual premium on your auto insurance. Choosing a higher deductible means that you will have to pay a higher amount of money in case of an accident or any other insurance-related expenses. However, you can benefit from a lower annual premium, which means greater savings in the long run.
  • Have a single insurance provider- It is advisable to choose a single insurance provider for all your insurance needs. Also opt for a joint policy for your personal auto insurance and commercial auto insurance. Most Austin-based auto insurance companies offer discounts to customers who opt for more multiple insurance schemes.
  • Save on administration fees- Making a few modifications on your mode of payment can help to cut down on the administration fee on your commercial auto insurance, bringing down your overall insurance premium significantly. You can do this by paying the entire insurance amount in one go. Not only does this reduce the total amount paid on interest and administration fee, but some insurance companies in Austin, TX also offer up to 10% off to customers who pay the insurance fee in a single go. Another way to save on administration fee is by paying through EFT (Electronic Funds Transfer).
  • Get quotes and research- Finally, as is the case with any other insurance plan, it is always a good idea to request quotes from various companies before settling for one. If you do not want to increase the deductible, you can explore other options like decreasing the collision or choosing a comprehensive coverage plan. A three-year policy for commercial vehicle insurance usually ends up being more affordable in the longer run as compared to annual ones.

Make sure that you have all the groundwork done before you apply for an insurance policy for commercial vehicles, right from claims history to driver records.

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Choosing The Right Insurance Company In Temple Tx

by Administrator 5. April 2013 06:51

Getting a good low-cost auto insurance policy is very important. However, you must keep in mind that whichever Auto Insurance company you choose in Temple, it must be trustworthy as well as competent in dealing with the customers. Read on to know what all things you must keep in mind while selecting the right insurance company in Temple Tx.

  • Every state has its own department of insurance and all the information regarding it is available on the Internet. There are also relevant details about the number of complaints received by an auto insurance company. These are known as consumer complaint ratios. This is the right criterion for choosing an insurance company, so you must go through it carefully.
  • You must opt for an insurer that has lowest premium quotes. This information is also easily found on the Internet and you must carefully scrutinize it. Accordingly, choose what you consider to be the best.
  • Getting in touch with local shops is one of the best ways to sift out trustworthy insurers. Body shop managers are in regular contact with insurance adjusters and this is the reason why it is best to ask for their recommendations.
  • You must determine what type of coverage you require and then make a comparison of auto insurance quotes of various companies. The main types of auto insurance coverage include: personal injury, liability and comprehensive coverage etc. among a host of others.
  • All the insurance providers must be licensed by the state in which they sell their insurance policies. So, make sure that you are getting the insurance from a licensed company to avoid any legal hassles later on.
  • In order to be sure that the auto insurance company you have chosen pays the claims on time, you must thoroughly check its financial stability. Check out the financial strength ratings on the websites of various companies such as Standard & Poors and Best etc.
  • One of the other ways to find out about reliable auto insurance companies is to go by the ‘word-of-mouth’ publicity. However, you must bear in mind that someone who is giving you a positive review about a certain company must have similar auto insurance requirements as you. This is because what might appeal to them about a particular company; it might be completely useless for you. So, take your decision accordingly.

Keeping the above important pointers in mind will definitely get you the best auto insurance provider that settles the claims without any delays. Thorough research on your end will prove to be beneficial in the longer run.

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How To Make Shopping For Home Insurance Easy

by Administrator 25. March 2013 07:07

Getting home insurance for the first time can be a challenging process, with all the variations in policies leaving one confused as to what they really need, and what is just a mere waste. If you have just moved into your new home and are trying to figure out how Insurance in Killeen works, we have it all sorted for you in this easy to follow guide on buying home insurance-

  • A good place to start is your auto insurance company, as you might land a discount on your home insurance from the same company. Insurance agency can also help you figure out your options and choose from different price quotes suited to your needs. Apart from seeing independent agents, it is also a good idea to visit some big insurance agencies, who might have some attractive deals for you.
  • While assessing these quotes, it is important for you to assess the amount of coverage that you shall need. As you make this decision, remember that your home insurance should reflect the cost that would be incurred in rebuilding the house, as opposed to its market value.
  • In most cases, your home insurance automatically covers your possessions, which means that you do not have to have separate insurance for all valuable items in your house. Typically, this insurance is a certain percentage of the complete home insurance.
  • However, the insurance for certain items like jewelry and antiques may be limited to a fixed value, which might not be enough if you have any particularly valuable items. In these cases, it is a good idea to get separate insurance for these items.
  • Before finalizing the deal with the insurance company, make sure that you look carefully into all their policies regarding security, mode of payment, claims handling, etc. You need to understand the fine prints of your insurance contract before signing up for it.
  • Finally, ask your insurance company if there is anything you can do, such as home improvements, buying auto insurance, etc., to bring down policy costs. It is quite possible that come insurance agencies can give you discounts on insurance policies.

For cheap insurance in Killeen, Copperas Cove, Gatesville, Austin and Temple TX, call Shawn Camp Insurance at (800) 212-2641.

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How Much Car Insurance Do You Need?

by Administrator 11. March 2013 12:42

Auto insurance or car insurance is basically divided into different categories depending on the number of ways in which they provide you protection. This includes:

  • Liability coverage: In this case, you get insurance coverage when it is your fault due to which the accident has occurred. The money will be provided to the people whom you have hurt in the accident. However, coverage will not be applicable on the people traveling in your car.
  • Bodily Injury Liability (BIL): Here, the medical expenditure of the people hurt in an accident by you is paid for by the insurance company.
  • Property Damage Liability: In this instance, the insurance company will pay for the harm done to the other car by you in the accident.
  • Personal Injury Protection (PIP): This will provide for the medical expenditure incurred by you and the people traveling in your car when the accident occurred. Some policies also provide for the lost wages if you have to take leave from work due to accidental injuries.
  • Uninsured Motorist Coverage: This type of coverage is beneficial to cover costs if someone without an insurance policy hits you in an auto accident.
  • Comprehensive: This is a policy wherein you will be given coverage if any damage to your car happens due to reasons other than an accident. This includes insurance cover for theft as well as any other damage.

As far as the Personal Injury Protection policy (PIP) is concerned, you probably should not be shelling out too much of money for that. A health insurance as well as disability insurance from your employer is good enough in this case. However, you must ensure that you have the requisite coverage against uninsured and under-insured drivers. Getting this type of insurance cover will not prove to be a very costly proposition for you.

On the other hand, comprehensive coverage is a must if you want to get your damaged car repaired after the accident. This policy also holds benefit if you want to outright buy a new car after the auto accident. However, there are deductibles and remember that you will be paid the insurance depending on the present value of car. Therefore, it is a wise option to select the highest deductible that is affordable on your pocket. Choosing a higher deductible is beneficial because it will bring down your premium.

In conclusion, it can be said that how much car insurance you require will depend on your finances as well as requirements. Get the best deal that is most beneficial in the longer run and provides satisfactory relief in case of an unfortunate incident of a car crash.

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