Motorcycle Insurance 101

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Jun 28, 2012

A motorcycle represents a lot of things to the person who owns it. It is at once an investment, a hobby, a toy, and a means of transportation. Motorcycles represent freedom on the open road, and they also have a lot of perks which are specific to their use.

Getting insurance is essential if you want to ride a bike. Not only is it required by law in order for you to operate it on public road, but it also serves to protect your investment. Here are some things to take care of when securing coverage for your bike:

  1. Make sure that your existing coverage is still in force with your policy.
  2. Find out if your provider has a mandatory winter layaway built into its policy, due to riding conditions being harder during winter.
  3. Consider getting additional liability coverage. A bike can be damaged or totaled the same as a car, so it is important to amplify your protection.
  4. Consider improving your medical payment’s coverage. Statistically speaking, bikers get into more accidents than others on the road. Therefore, increasing the medical coverage you have is a wise move to make.
  5. Make sure that any custom parts and equipment are covered by your policy.
  6. Choose a company that specializes in motorcycle insurance.

 By taking care of these things, you will be able to get the coverage that you need, which is right for you. It is a bit of a process, but it is worth it!

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