The Secrets To Getting The Best Motorcycle Insurance Quotes!
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 – You can find more general insurance resources at http://www.insurancerebel.com). 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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Posted by American Car Insurance on August 27th, 2009 filed in motorcycle insurance | 9 Comments »
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9 Responses to “The Secrets To Getting The Best Motorcycle Insurance Quotes!”
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August 27th, 2009 at 9:51 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 10:11 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 28th, 2009 at 12:24 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 28th, 2009 at 4:09 am
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 28th, 2009 at 1:10 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 29th, 2009 at 9:51 am
I have AAA insurance, the truck, the mustang ,the R.V.and the3 bikes are all insured as a package.
August 29th, 2009 at 1:23 pm
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).
August 30th, 2009 at 4:55 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 30th, 2009 at 8:00 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