If you are familiar with the basics of automobile insurance, then you may already know more than you think about motorbike insurance. If you ride a motorcycle on public roadways, you’ll need the same basics as your automobile insurance : liability, collision, comprehensive, and uninsured / underinsured motorist coverage.
Motorcycles can be riskier than other vehicles. As a result, the motorcycle insurance quote varies widely, so it pays to shop around. If you are concerned about high cost, you may want to consider some of the factors that affect motorcycle insurance quotes premiums and take advantage of as many reductions as possible. For example, some companies offer discounts if you complete a motorcycle safety course, and for using additional safety and anti theft equipment. Carrying all your other insurance policies with a single company can also lower the price of motorbike insurance quote. Your annual mileage, the bike’s make, model, age, horsepower, and where it is stored can all affect the amount of your motorbike insurance quotes. As always, maintaining a clean driving record can keep your motorcycle insurance quote online down.
If you live in an area where winter shortens the riding season, some online motorcycle insurance quote will take that into account and cut or eliminate premiums for the winter months.
To lower the price even further, consider eliminating comprehensive and collision insurance on motorcycles that are older and not financed. Consider higher deductibles, too.
If you like the freedom and lifestyle motorcycle riding offers, don’t forget that the peace of mind that comes with temporary motorbike insurance can add enjoyment to the time you spend in the saddle.
How to compare motorbike insurance and how much is motorbike insurance ?
Quote for motorcycle insurance can vary in price and coverage. States will have a minimum coverage limit that you need to satisfy that may be different than the minimum coverage for your car insurance. You will need to be aware of the motorcycle insurance requirements before you purchase your bike.
Buying best motorbike insurance
The most common way to obtain classic motorbike insurance is to get a separate policy that covers your motorcycle. Like car insurance, insurers look at various factors to determine what your premium. Some of those factors are as follows :
Type of bike : certain bikes may be considered safer to drive, or may be less frequently involved in accidents. The safer the bike, the lower the motorcycle insurance online quote.
Your driving record : as with car insurance, your record will be a significant factor in your insurance quotes motorcycle. Ride safe and pay less !
How much you drive the vehicle : your motorcycle insurance quotes online will change depending on if you ride to work everyday or whether you use your bike only on weekends or for special occasions.
Your age : if you’re under 25 then expect to pay more.
Garaged : whether or not the vehicle is garaged in a secure location.
Training : more experience and training can reduce your online motorcycle insurance quotes. Most states have a Dmv motorcycle program that, if successfully completed, will save you money on your insurance quote motorcycle.
As is the case with car insurance, you can find cheap motorcycle insurance quotes by getting a variety of insurance quotes, and by demonstrating that you are not a risk. If you can show that you are a safe driver, include safety features on the motorcycle, or otherwise indicate that you are not likely to cause the insurance company to have to pay out a claim in the future then you may qualify for a discount. Ask your insurance company about available discounts on motorcycle insurance quote comparison.
Some insurers will reduce your short term motorbike insurance rates if you only drive in the summer and garage your bike in the winter. These seasonal motorcycle insurance policies will reduce your insurance motorcycle quote dramatically.
Adding a motorcycle to existing coverage
As an alternative to separate motorcycle insurance, many companies offer an endorsement that covers miscellaneous vehicles which attaches to your auto insurance contract. In addition to motorcycles, those vehicles can be mopeds, motor homes and dune buggies. If you choose to pursue this plan, make sure you discuss the cost with your insurance agency, and take the opportunity to get get motorcycle insurance quote from other companies to ensure you are getting the best price.
How often you use your motorcycle may determine whether you will want to get a separate insurance policy. If you regularly ride your motorcycle, you will likely want to insure it on its own for more coverage. However, if you infrequently ride, then you can probably get satisfactory coverage in an endorsement or rider attached to your existing policy.
Whether you decide to insure your motorcycle separately, or include it as part of your existing policy, you will need to shop for cheap motorcycle insurance quotes online to get the best price on motorcycle insurance.
Choosing motorcycle insurance
If you’re a biker, there’s a good chance that you or someone you know has been in a motorcycle crash. In 2009 alone, more than 90,000 motorcyclists or passengers were injured in accidents, according to the National highway traffic safety administration. Unfortunately, law abiding and careful motorcycle operators become victims to careless automobile drivers every day.
One of the most important ways you can protect your legal rights as a biker is to have adequate motorcycle insurance. As you gear up for the start of another riding season, review your motorbike insurance online policy.
Consider the options available to you
Instant motorcycle insurance quote can be tricky. Your state may require you to have certain amounts of coverage, but not all coverage options are available in all states or in every situations. In some cases, motorcycles are written as a separate policy from your other vehicle(s).
Also, keep in mind that some states may not allow you to have medical benefits on your motorcycle insurance policy, so it’s critical that you have other medical insurance.
If available in your state, consider adding or increasing your coverage for the following :
Bodily injury liability : many states have minimum coverage amounts for bodily injury liability, which is used to cover any claims against you if you’re found legally responsible for causing an accident. Minimum recommended coverage : $100,000 per person, $300,000 per occurrence.
Uninsured motorist coverage and underinsured motorist coverage : these two types of coverage will protect you if you’re in an accident involving an uninsured or underinsured motorist. It’s very important to have this type of coverage.
Minimum recommended coverage : $100,000 per person, $300,000 per occurrence.
Motorcycle insurance and stacking : if possible, have your motorcycle insurance on the same policy as other vehicles in your household. Then you can request stacking, which gives you coverage per person or per occurrence equal to the total number of vehicles on your policy. For example, if you have $100,000 per person and $300,000 per occurrence limits on each vehicle, and you have three vehicles on your policy, with stacking you are entitled to coverage in the amount of $300,000 per person and $900,000 per occurrence.
Recommended coverage : stacking.
While choosing an insurance carrier other than the one that insures your cars may save you some money, doing so will usually eliminate any possibility of using the uninsured and underinsured motorist coverage on your automobile policy to give you additional protection. If at all possible, keep your motorcycle on the same policy as the other cars in your household.
Being proactive could save you thousands
Having adequate motorcycle insurance is necessary for all bikers. Even seasoned veterans can’t control what other drivers do on the road. Your best bet is to do motorbike insurance compare for your insurance policy and make updates to protect you, your passengers, and your family.
A short guide to motorcycle insurance costs
It’s a good idea to use specialist motorcycle insurers. There is a lot to consider when attempting to get the right insurance policy for your beloved ride.
Owning a motorcycle is certainly an exciting decision, getting out on the open road, enjoying the fresh air, and avoiding the hassle and often undue expense of owning a car. But at the same time there is always an element of risk involved in owning and riding a motorcycle. This is something which will certainly need to be taken into account when buying motorcycles insurance quote. The insurance companies will have a wealth of information regarding the safety statistics of various different styles and models of motorcycle, as well as the circumstantial factors of each owner and their lifestyle. Therefore, it is important to ensure you get the right free motorcycle insurance quote policy for your individual needs.
A good option is to approach a specialist insurer for a quote motorcycle insurance companies like MCE insurance are particularly adept at understanding the needs of motorcycle owners, and working with you to ensure you are covered as required. When applying for motorcycle insurance quotes comparison, you will be able to choose what level of insurance cover you prefer. Generally you can decide between three main options : third party, third party fire & theft or fully comprehensive. The cost of each policy will obviously vary depending on the level of cover you require, but there will also be other individual factors to be taken into account when assessing your insurance quotes for motorcycles.
There are a number of different factors an insurance company must consider when issuing a motorcycle insurance policy. The particular make and model of the bike and specific risks associated with it will be taken into account, as will the occupation of the driver and the risk of their commute and location of their work. Security will also be a huge consideration and the statistics for vehicle theft in your area and whether you keep your motorbike securely stowed in a garage or not will also be influencing factors in the final quote price. Previous driving convictions and claims will also be looked at, so safe driving makes financial sense as well as basic common sense. All of this helps the insurance company put together a profile of risk which they can then use to create a policy which is just right for you. They will also look into whether you have accrued a no claims bonus over the years (on a motorcycle), and if you have, then you will find this will lower your premiums.
Often the cost of the insurance is worth looking into before you buy your bicycle, as having insurance is an important part of being a bike owner. Insurance companies may stipulate certain conditions before the insure you, such as having an alarm or an immobiliser for your motorcycle if you live in a high risk theft area, or have a bike which is statistically more likely to be stolen. And of course, your excess will be determined by your overall risk profile.
Make sure you will be able to get a policy you are happy to pay for, and which will cover you in all instances, before making that big bike purchase. Using the information above, you should be able to anticipate areas which will likely increase your insurance premiums and take action to get a better deal. Then you can get out on the open road, and enjoy the fresh air with added peace of mind that you have the cover you need.