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It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you want to worry about is whether you have the right insurance policy. Whether you have a cruiser, a sport bike or a trike conversion make sure your equipment like custom paint jobs, side cars, after-market parts and accessories are covered to ease your mind.
Your Motorcycle is one of your most prized possessions. It deserves special protection. If you’ve taken safety classes, or garage your Motorcycle when it’s not in use, you may qualify to save more on your Motorcycle coverage, while protecting yourself, your Passengers and your investment. And, motorcycle insurance is different from other types of insurance because of the dangers you face on your motorcycle are different than those you face in other vehicles. By educating yourself on how the Insurance company will view you, a few things to keep in Mind such as Type of Motorcycle, Age of Rider, where the Bike will be stored, Driving Record and Rider Safety Courses.
- Type of Motorcycle- While Cruisers will generally save you Money on Insurance verses the High Speed Sport Bikes which are viewed as High Risk by most companies.
- Age- As General rule the Older the rider the cheaper the insurance, As well as riding Experience.
- Location where the Motorcycle will be stored can also determine your rate, and if it will be stored in a Garage or Left out in the Elements.
- Driving Record- All accidents count whether it was in an Automobile or on a Motorcycle. Then Cleaner the Record the Lower the Risk the lower the rate will get.
- By Participating in a Rider’s Safety Course either for Beginner or Experienced Riders, most Insurance Companies Discount upon completion of these courses. Check Your Local Dealers and Community Colleges to Find a Program that fits your Riding Experience.
On a Motorcycle it’s Metal VS. Skin and guess what wins? It’s great to have liability insurance to cover the other party should you be sued and lose, but what about the medical bills you will surely incur from an accident? When Comparing Policies don’t forget to ask which policies protect you best. There is no reason to overpay one insurance company when another one is willing to give you a better deal. If an accident would occur you will get the same value for your bike regardless of what company you choose. By taking the time to find out how the insurance company will view you, your bike, and your riding habits, you can learn how to save while still getting a great policy. Motorcycle insurance is mandatory in many states and in those where it isn’t, given the cost, you’d be hard pressed to give a real reason that you shouldn’t carry it.
Should you WEAR A HELMET? Have you ever seen the damage a rock kicked up by a tractor trailer will do to your mug at 70mph? It’s like being shot point blank with a 12 gauge slug... You Decide
