A big complaint amongst motorcycle riders is the cost of insurance. Use our resources to find yourself cheap motorcycle insurance so you are covered in the unfortunate event of an accident.
Did you know your zip code plays an important factor on your insurability and cost? Also factors are age, weight, time as a driver, and more. Insurance coverage and cost is based on risk, and driving a motorcycle is considered a pretty big risk. For that reason, it is a good idea to find cheap motorcycle insurance and stay covered. There are many different types of coverage you can get, and it is important to get as much coverage as you can for the lowest price. This site will strive to keep you up-to-date on the different types of cheap motorcycle insurance out there, and tell you which companies offer the best insurance programs.
Lower Rates for Multiple Insured Items
The best way to get cheap motorcycle insurance is to add the insurance on to your existing homeowner’s insurance policy. Owning your own home is a great indication that you are a responsible bike owner, and you will be rewarded for that with cheap motorcycle insurance. You may also get discounts for being a safe-rider, that is, you have no at-fault accidents or tickets on your record. Do you own more than one bike? Then you can get a discount for having more than one bike on your insurance plan.
Ways to get Insurance Discounts
Did you know that you often have to ask for the kind of discounts you qualify for? Insurance companies may not come out and tell you all of the discounts you may qualify for. For this reason, you will need to stay informed about what kinds of discounts are out there. Most insurance companies let you get cheap motorcycle insurance if your bike is equipped with LoJack. Since almost 50,000 bikes were stolen in 2010 alone, insurance rates on motorcycles can be high just because of the threat of theft. With LoJack, police send a signal to your bike that can go through concrete and steel, and they can usually locate your bike within 24 hours. You may also get a discount for paying your insurance bill in full each time your policy is up for renewal. You will see this information on your bill – a higher monthly payment to pay month-to-month or a lower total amount if you pay in full.
Insure any Kind of Bike
It is important that you find a policy for whatever kind of bike you have. Often times, insurance rates are different for custom bikes and sport bikes. A company like Progressive offers cheap motorcycle insurance for: cruisers, limited production bikes, street bikes, touring bikes, mopeds, scooters and trikes.
Nationwide allows you to customize your cheap motorcycle insurance just like you customize your bike. With Nationwide, you can have up to 12 bikes on a policy, and you can insure guest riders if you choose Bodily Injury Liability coverage. You can get coverage for almost any kind of bike with Nationwide as well.
Specialized Motorcycle Insurance
You can also find some of the best cheap motorcycle insurance from specialty organizations that only insure motorcycles. The Motorcycle Insurance and Roadside Assistance agency offers roadside assistance and insurance just for motorcycles. They find you the best kind of insurance for your bike or bikes from all of the different companies offering insurance.
Getting cheap motorcycle insurance is a necessity. There are so many variables when it is you and your bike on the road. You put a lot of time and money into your bike; make sure you are protected when you hit the road. A lot of riders do not feel they need to get motorcycle insurance, but the reality is that motorcycle insurance is there for you to cover hospital bills or other therapies and bike replacement in the event you are in an accident. You need to get cheap motorcycle insurance so you have coverage and do not make the mistake of going without insurance.
When you are looking for cheap motorcycle insurance, you need to consider many different things. You will need collision insurance, comprehensive coverage, liability insurance, property damage liability insurance and more. When you look at insurance companies, find one that works for you in regard to what kind of bike you ride and give you the best rates for your experience and where you live. Cheap motorcycle insurance is the solution to all of your insurance needs.