Motorcycle insurance provides coverage against numerous risks involved while the vehicle is either parked or plying on the road. In order to avail of the risk coverage, the insured has to pay an amount to the insurer. This amount is known as the ‘Insurance Premium’.

Premium is calculated based on a number of personal, geographical, types of coverage, and other variable factors. However, there are some tips that can help in reducing the motorcycle insurance premium:

• Driving Record: A driver’s record is one of the important factors considered by the insurance company for calculating the premium amount. It helps the insurer in calculating the risk involved based on the number of tickets, accidents, etc. So, maintaining a clean driving record can help in lowering premium costs as the insurance company considers a safe driver as less of a liability.
• Discounts: Motorcycle insurance providers offer a variety of discounts to their customers based on different factors such as age, gender, etc. It is always worthy to ask the insurance agent if one is eligible for a discount as this can considerably lower the insurance premium.
• Add-On Equipment: Security risk is one of the main considering factors behind premium cost calculations. Adding security-enhancing equipment to the motorcycle such as an anti-theft alarm reduces the risk factor attached to the vehicle. This makes the vehicle less of a liability for the insurance provider resulting in reduced premium cost.
• Claims History: It is advisable to file a claim only in case of a major accident or major damage. Avoid filing claims for minor damages as this will add on to the claims history and will be considered to be a risk factor by the insurance provider. Additionally, filing for unwanted claims nullifies an individual’s eligibility for the ‘No Claims’ discount.
• Deductible: It is the amount that an insured person has to pay in case of any damage before the insurance provider starts to cover the losses. Signing up for a higher deductible lowers the premium amount and vice versa. However, the deductible should be chosen wisely based on the financial situation.
• Timely Renewal: Renewing an insurance plan before the due date can also help in lowering the insurance premium.  Some insurance providers may offer a grace period for renewal. If insurance plan lapses, an individual may miss out on a variety of renewal benefits.

Shawn Camp Insurance Agency, Inc. offers a complete range of motorcycle insurance coverage options at an affordable price to its clients in Killeen, TX. The clients can either choose from the available coverage options or get a personalized insurance plan as per their requirements. For more details on ways to reduce motorcycle insurance premium, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

An important part of owning a motorcycle is to get it insured in order to cover the costs incurred due to accidents and other perils. When shopping for motorcycle insurance that will protect you, your passengers and your motorcycle, you should look for one that meets your financial and personal requirements.

If you are a first-time rider, given below are some points worth knowing about motorcycle insurance:

• Requirements: The first step is to be aware of your state’s requirements regarding motorcycle insurance. Most states require motorcycle owners to purchase minimum liability coverage. It is however recommended to purchase more than the minimum requirements of a state in order to cover legal claims and costs too.
• Coverage Options: Motorcycle insurance provides liability coverage, underinsured/uninsured motorist coverage, collision and comprehensive coverage, medical payments, custom parts and equipment coverage, and roadside assistance coverage.
• Discounts: Every insurance company has its own rules and regulations pertaining to discounts. However, there are some common factors that can entitle a motorcycle owner to discounts. Some ways of earning discounts are, buying another form of insurance from the same insurance provider, being a part of a motorcycle riders organization, a clean driving record, completing a safety training course for motorcycle riders, getting more than one motorcycle insured from the same agency and asking for a discount on the basis of being a mature rider (above 55 years).
• Destroyed/Stolen Bikes: If your bike is destroyed or stolen, there are three ways in which you can be provided compensation. These are on the basis of the stated amount (amount selected at the time of purchasing the policy), actual cash value (motorcycle's cash value minus deductible and depreciation) and the agreed value (an amount that you and the company agreed upon).

Shawn Camp Insurance Agency, Inc. provides motorcycle insurance for first-time riders. Buyers can choose from coverage types including liability coverage, medical payments, roadside assistance, underinsured/uninsured motorist coverage, collision and comprehensive coverage, etc. To know more about motorcycle insurance coverage for first-time riders, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 - 0535.

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If you own a motorcycle, it is important to get it insured. Motorcycle insurance provides a financial cushioning to the owner in case of an accident and offers coverage against liabilities like bodily injury, property damage, comprehensive & collision, medical payments etc. The choice of motorcycle insurance depends upon numerous factors like the type and size of bike, rider’s history, etc.

Following are some points that can be helpful in choosing the right motorcycle insurance:

• Knowledge About The Requirements: Before choosing a motorcycle insurance policy, you should research about the insurance requirements mandatory in your state. Most states require the motorcycle owner to have a basic liability insurance. However, you can buy additional coverage as per your individual need. 
• Coverage Options: It is important to have thorough knowledge of the coverage options available in the market. You can choose from various motorcycle coverage options such as comprehensive coverage, uninsured/underinsured motorist, medical coverage, roadside assistance, etc.
• Discounts: Insurance providers may offer various discounts to their clients based on factors like a clean driving record, a motorcycle rider training course, being a part of a motorcycle rider’s organization, additional safety accessories attached to the vehicle, condition of the motorcycle etc. Ask your agent if you qualify for any discount and provide proper documentation to support your qualification.
• Know The Factors That Affect The Insurance Premium: The cost of motorcycle insurance is governed by numerous factors including personal factors like age and occupation of the rider, experience as a rider, previous riding record, ticketing history, area of residence etc. It is also affected by the type of bike (make and model), vehicle’s security features, safety ranking of the motorcycle, average usage of the motorcycle and more. Having thorough knowledge about these factors can help you choose the right insurance plan at the right price.
• Look Into The Process Of Filing A Claim: Before choosing an insurance plan, you should know the process of filing a claim. Ask your insurance provider about the timeline and hierarchy of claim procedure. It is important to know the details such as the point of contact for filing the claim, waiting period, deductibles etc. 

Consider the various insurance plans available for you and choose the one that offers maximum coverage and hassle-free claims process at the right price. 

Shawn Camp Insurance Agency, Inc. provides affordable motorcycle insurance in Killeen, TX. Clients can choose from a wide range of coverage options or get a personalized coverage to fit their requirements. They can also request free online quote for desired coverage. To know more about motorcycle insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX-76542 or call at (254) 526-0535.