Motorcycle info about licenses, trikes, sidecars, scooters and more!
To get the best motorcycle insurance quotes, of course you will probably want to shop around some. Before you begin, it would be wise to have some things written down and have ready provide to whether you are getting motorcycle insurance quotes online or by telephone. Also, if you have taken a motorcycle course for safety and riding skills, such as from the Motorcycle Safety Foundation, then you might be able to get an additional discount by proving that.
Below are some typical questions you’ll need to be ready to answer:
Getting motorcycle insurance quotes online is a very convenient way to gather quotes. It’s a good idea to first check with the insurance company you are already using for your car and/or house. Doing so may allow you to take advantage of a likely discount for having those other policies with them.
Some of the popular big companies that can provide an online motorcycle insurance quote are Progressive, Geico, Nationwide, and Allstate. There are several others worth checking out too.
Motorcycle insurance policies will typically provide you with coverage similar to this example. This will vary according to the rules in the state or the country that you live in, so again, this is ONLY an example. The amounts beyond the minimum are up to you or your agreement with your lender.
2.) LIABILITY Coverage: It’s possible that this portion could cost about 1/3 or more of the entire cost of the policy.
3.) OTHER THAN Collision: Pick a deductible amount that you will be responsible for paying to help lower the premium cost, but be sure you can actually pay that deductible in case something were to happen. Cost for this might be about 10-20% of the policy cost.
4.) COLLISION: Pick a deductible amount as mentioned above. Plan on having to pay for collision coverage if you are paying on a loan for your motorcycle. The cost for collision coverage varies quite a bit depending on what you are riding, but to be conservative (or perhaps realistic), estimate about 1/2 the cost of the policy to be just for this.
5.) CUSTOM PARTS and Equipment. Some motorcycle insurance companies will cover up to a certain value amount included in your Other Than Collision or Collision premium, such as $1,000, otherwise you may need to specify what you added and how much it cost. It’s possible that they might not insure some or all of the custom motorcycle accessories that you have added.
Harley Davidson motorcycle insurance might cost a little more than motor scooter insurance, but that could depend more on whether the Harley owner has a lien on the title or not. And it’s not just Harley Davidson motorcycles, it’s any motorcycle really. Collision coverage is usually a must when the bike owner borrowed from a bank or other lending company to pay for it. This is a little something to keep in mind when you are deciding to buy a new motorcycle that you have to borrow for, or a used one that you can pay in full for.
If you select the bare minimum amount, only as required by law, you better make sure your you have a good lawyer that can give you legal advice in case of an accident. Motorcycle accidents are on the rise as the number of motorcycles and scooters on the road are increasing. When you are seeking out motorcycle insurance quotes, it’s a very good idea to get the proper coverage for your situation rather than skimp.