by Administrator
12. January 2015 06:42
Given the increased risk involved with driving a motorcycle, not getting proper insurance is not just unsafe, but also illegal. Many people believe that purchasing motorcycle insurance is an unnecessary expense. However, not getting proper insurance is illegal and turn out to be very expensive in the long run. Following a well-informed approach can help you save on your insurance premiums while getting yourself financially covered in the event of unforeseen circumstances.
Here are some tips that can help you save on motorcycle insurance:
- Raise Your Deductibles: This is the amount you need to pay towards a claim before your insurance policy comes into effect. Increasing your deductible will considerably reduce the amount you have to pay for your motorcycle insurance. However, make sure that the deductible is not too high and you can easily pay the amount.
- Look For Discounts: There are many insurance companies that offer various discounts for applicants who meet a certain specified criteria. These may include people who do not use the motorcycle on a regular basis or have a clean driving record. Make sure you ask your insurance agent about any such discount that can help you save money.
- Exclude Rash Drivers From Your Policy: If you have someone in your family with a flawed driving record, make sure you do not include them in your policy. They can cause your motorcycle insurance premiums to be a lot higher than what you would need to pay otherwise.
- Avoid Making Small Claims: Remember that insurance policy provides you coverage at the time of considerable losses. Filing for infrequent or small claims can increase your chances of getting rejected when you are in real need of financial aid. As far as possible try to make a single claim in a year.
- Ride Alone: If you ride your motorcycle alone, you can save a lot by skipping the passenger liability coverage. However, you must keep in mind that avoiding this coverage means that you cannot have a fellow passenger on your bike ever.
- Avoid Sports Models: The makes and models of bikes also play a major role in determining the insurance premiums. Insurance companies charge much higher rates for high performance motorcycles that involve more risk or have parts that are not easily available.
For more information about motorcycle insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We offer affordable insurance policies tailored to the needs of clients. Call us at (254) 526-0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542 to know more.
