Archive for the ‘Cheap Motorcycle Insurance Tips’ Category
December 16th, 2009 | 
Author: Protecting your property from theft and damage is a very important part of life. Why? Quite simply because you have a lot of time, money and love invested into them, and so securing them (at least from a financial perspective) makes a lot of sense. So, buying insurance should be one of your main priorities each time you add a home, change jobs etc.in your life. Equally, it is not just your home and life that needs insurance. That little (or big!) two wheeled beauty sitting on your driveway also needs it. Motorcycle insurance protects the investment that you make in your new Harley or other bike so that you can drive it down the road and park it in your garage without worrying about wrecking it or having it stolen. It also can stop you from experiencing punitive financial problems if you involve someone else in an accident. So, whilst getting a bargain on your motorcyle insurance is not a topic that will neccessarily be as ‘Gripping’ as riding the bike. It is nevertheless an essential aspect of owning a motorbike.
Motorcycle insurance can usually be purchased from the same company that insures your car, home, etc, which can help to make the process a little easier. Many times, you can get a discount by buying all of your insurance from one company (home insurance, life insurance, medical insurance etc. But you should still research the cost with other specialist vehicle and motorcycle insurance companies to make sure that you are getting the best price available. Here are some things you need to know when you purchase your motorcycle insurance.
1/ Make sure you know who is underwriting the insurance.
The underwriter is the guy (or gal! 
) who pays up if you need to use the insurance due to a wreck, theft, or vandalism. So you will want to ensure that you have a dependable underwriter for your motorcycle insurance. If your underwriter is not dependable, you could end up with no motorcycle to ride and no money to replace it!
2/ Compare rates as well as policy details.
Just because one insurance rate is cheaper than all of the others does not necessarily mean that you are getting the best deal for your money. Check your state and local laws to learn exactly what insurance coverage you need to purchase for your motorcycle. In this way, you will not be paying for coverage that is not needed and you will have at least the minimum of what the law requires. You may want to get coverage that includes yourself or another driver, passengers, custom equipment, collisions, uninsured motorists, and medical payments. Ask your insurance provider what they offer in motorcycle insurance and compare them against several different companies to find the best price and insurance for you. Be sure to compare like with like in this area. Cheaper is not always better.
3/ Many insurance companies offer a discount on motorcycle insurance if you take an approved motorcycle safety course.
Ask if your company does. There may also be discounts if you purchase other insurance from them as I mentionned above. It never hurts to ask what kind of discounts that a particular insurance company offers, as it may just save you some money! The worst they can say is that they do not offer any discounts. In which case you are no worse off anyway.
A few things that come into consideration when you are getting a quote for motorcycle insurance are your age, riding experience, driving record, and details about your bike, such as value, power, age of bike, modifications, and where it is kept at night. Be honest about the questions that the insurance company asks you. If you do not tell the truth and something happens, then your claim can be denied later on down the road! So be careful. Be prudent. Tell the truth!
Motorcycle insurance is the easy way to protect your bike and yourself from any number of things that can happen in life. It can protect you from financial ruin if you have an accident and cause property damage or other damage. And it also covers you in the event that your bike is stolen or damaged.
So Don’t be a Helmet Head! Get some Motorcycle Insurance sorted out TODAY!
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If you’re like many bikers, you’ve been looking forward to the day you can again hit the road aboard your dream machine.
Well, that day will probably be here before you know it and now’s the time to make sure your insurance policy is as ready to roll as you and your bike are. Your motorcycle is a significant investment and you owe it to yourself to be properly covered and yet find cheap motorcycle insurance. So here are a few expert tips to help you make sure your motorcycle insurance coverage is as strong as your passion for the road.
First, verify your coverage is still in force. It may seem obvious, but you’ll want to start off by making sure your insurance policy is still in force by verifying its expiration date. Be aware that some companies have a winter months layaway period during which some coverages are restricted. Check with your insurance company to see if you currently have any type of limited coverage.
Update your policy. Update your insurance company with any changes such as additional riders or a new garaging address. A quick call to your independent agent or insurance company will ensure coverage that reflects your current needs.
Make sure custom parts and equipment are covered. Parts such as chrome plating, a new paint job, saddlebags or special rims usually increase the value of your motorcycle. If you’ve added any custom parts or equipment recently, you’ll want to make sure they’re covered too.
Consider dropping coverage you really don’t need. If you own an older bike, you may want to check its value so you’re not paying for coverage that’s not cost beneficial. It’s generally recommended that you consider dropping collision coverage when the collision premium equals ten percent of the bike’s market value. Understand that by doing so, you will not be covered for damages to your bike if it overturns or collides with another object.
Look for discounts. You should also check to see if you qualify for any discounts your insurance company may offer. Remember that prices can vary from company to company so shop around for insurance. Another tip to help you save: if you purchase comprehensive and collision coverage, consider raising your deductibles, which will lower the cost of your physical damage coverage.
Choose a company that specializes in motorcycle insurance. For example, Drive Motorcycle Insurance is underwritten by Progressive-America’s #1 motorcycle insurer-and offered through independent insurance agents and brokers across the country. Drive agents and brokers understand your needs and offer specialized coverage that’s designed for motorcycle owners and their machines and offers cheap motorcycle insurance.
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