Renewing Your Motorcycle Insurance Guide
Riding a motorcycle is completely different to driving a car. Your insurance needs will be different as well. We have outlined a few key tips to make sure you have proper coverage for your motorcycle.
Verify your policy. Make sure your coverage is limited. Some companies have a winter layaway period where some policies are restricted. You will want to contact your insurance company to make sure you are not limited in any area during any particular season such as winter.
Always choose the fully comprehensive policy. If you are ever involved in an accident that causes harm to someone else or someone else’s property, you could be in for a big payment. If you have a good number of assets you will want to protect them..
Are you interested in custom parts? If you want your insurance to pay for special additions to your motorcycle you will need to have added coverage. Special additions can include fancy rims, custom paint jobs, saddlebags, or chrome plating.
Is your bike restricted? Let your insurance company know as this can cause your premium to plummet in price do to the bike not giving the full output.
What are your rates? Make sure you shop around for the best rates. Consider contacting at least 3 insurance companies and see what they can offer you for the coverage you need.
This is the same for any type of insurance. Some companies can be significantly higher than others so it is worth your time to shop around. It’s also worth while haggling over price. Nearly all insurance companies have a discount range that they can stretch to.
Is the company knowledgeable? You don’t want a company that hasn’t dealt specifically with motorcycle insurance.
Like I said in the beginning paragraph, driving a motorcycle is different from driving a car. So your insurance needs will be different too. Make sure the company is experienced in handling motorcycle or scooter insurance and claims.
There are many sites online today that can help you find the right company. You can literally get a quote in minutes after filling out information on how much coverage you are looking for and what type of motorcycle you own.
If you find a company you like there is always a phone number provided. Give the company a call. Some companies even have a live operator available to answer your questions through chatting (kind of like having an Instant messaging conversation).
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www.survivalinsurance.com – Lowest cost guaranteed!, Car, Insurance Los Angeles , CA, motorcycle,
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About Author
Paul shows people how to find the perfect motorcycle insurance by writing reviews, tips and articles on the subject.
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Posted by American Car Insurance on August 27th, 2009 filed in motorcycle insurance | 9 Comments »
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August 27th, 2009 at 9:46 am
Depending on what kind of bike you have, you might want to keep insurance even when you are not riding. If you have a nicer bike, I would suggest full coverage. In the event that somebody steals your bike, you are totally covered. Motorcycle thefts happen a lot b/c its so easy to steal one. I had two bikes and both got stolen from my apt complex. Good thing I was covered with Progressive insurance. They covered the costs of the bikes, so I didn't lose any money
August 27th, 2009 at 9:49 am
Motorcycle insurance is CHEAPER than cars. I pay around $125 for a year….FULL COVERAGE, etc. through Progressive for my H-D. Check around and compare.
August 27th, 2009 at 8:42 pm
I have AAA insurance, the truck, the mustang ,the R.V.and the3 bikes are all insured as a package.
August 28th, 2009 at 6:21 pm
I guess that would depend upon what company you go with. I know I have our race bikes insured and my oldest son who doesn't race as much anymore has a 2 year old crf250r. The insurance is less on his bike than his brothers new race bikes with all the added extras as we usually have to state how much the bikes would be worth for replacement cost.
August 28th, 2009 at 6:22 pm
I would get a fair amount of coverage, regardless of anything.. just because it's better to be safe than sorry.
And yes, hit and run has gone up quite a lot.
You can get free quotes at:
http://car-insurance.moneysavecenter.com/100.php?id=m3y227
August 29th, 2009 at 4:18 am
sorry, but insurance rates are determined by a number of factors:
1) your age
2) experience
3) make and model of bike, including engine size
4) property crimes in your area
5) city, county that you live in
6) criminal activity in your area
7) credit history
For a 17 year old, on his own insurance plan for a bike like a 600cc .. look at about $1000 – $4000 a year.
August 29th, 2009 at 8:13 am
I rode for 12 years and always found Dairyland to provide great coverage at very low costs. Give them a look, it may be worth your while.
August 29th, 2009 at 10:33 pm
HOLY COW! We only pay about $150 a year here in Wisconsin. Since it's motorcycle season year 'round down there, that's probably why it's more expensive. I don't know if my company writes policies down there, but you could look them up on the web…Hastings Mutual Insurance Company in Michigan. Maybe Geico could help too, but I've never checked for motorcycles. They were higher on car insurance for us. Also, the kind of ride you have might make a difference too, such as a crotch rocket over a Gold Wing. Anyway, hope you find something. Ride to live, live to ride. <*)))><
August 30th, 2009 at 9:32 am
Prices will vary a lot depending on what bike you get and what type of coverage you select.
Definitely get online quotes – I've posted links to a company that gives instant online quotes – but many of the traditional auto insurance companies also offer motorcycle coverage – give them a call.
In my case my motorcycle insurance was considerably cheaper than my auto insurance (I just have liability coverage on both my bike and my car).