by Administrator
13. January 2016 06:48
If you own a boat and are fond of hitting the ocean for fishing or just a splash, make this experience a pleasurable one by investing in a good insurance policy that protects you as well as your boat. No matter what the size of your boat is, protection against financial and accidental damages must be your priority. There are many agents in Killeen, Texas who provide watercraft insurance but before you make the purchase, take care of the following points:
- Don’t be over insured: Read the policy document carefully and understand what all is covered. Your boat and its usage may not require some of the coverages and you can omit them to bring your monthly payouts down.
- Multi policy benefits: If you already have an auto or homeowner’s insurance, check with the insurer if you could include boat insurance in it so you can avail a good discount. Usually when people bundle their insurance policies, the deal struck is beneficial.
- Have a good driving record: If you are a good driver, you are less likely to file for claims, hence you may get good discounts and less monthly premiums. Have a good record and be cautious of violating boating rules.
- Take proper training: If you are a trained boat driver, you may get better insurance deals as then the company may be assured that you will cause less damages. It is therefore wise to have a boat safety education proof so discounts come your way.
- Type of use: If your boat will be used only for inland operations, you are more likely to get better discounts. The insurer may also ask in which oceans/areas you intend to sail your boat for use before determining the liability.
- Buy some safety gear for boat: If the insurer sees that you already have a safety gear in place, you are likely to get more discounts. This gear is anyway useful for a safe boat ride and thus if you intend to buy it at a later date, do it before buying an insurance to avail better rates.
- Compare policies: Killeen area is dotted with many service providers thus shopping around is a good way to save costs. Compare quotes of at least two or three on the basis of discounts, coverage etc. and then zero down on the best insurance agency.
We, at Shawn Camp Insurance Agency, Inc., offer a wide range of boat insurance policies to the clients in Killeen, TX. For more information, you can call us at (254) 526 – 0535.
