Motorcycle Insurance - How To Get The Best Out Of It

Now that the winter months are almost behind you, you must be ready to jump aboard your dream machine and burn the roads! But before you do that, take a moment and go through the fine print in your motorcycle insurance.

A motorcycle is a significant investment, not only in terms of money but also in terms of the wide range of emotions associated with it. Therefore, you have to make sure that your insurance coverage is as foolproof and as solid as your passion for your machine.

Know your numbers: Many people lose sight of the exact date when their motorcycle insurance cover ceases to exist. Verify if your insurance coverage is still in force by checking the expiration date. You may also want to check to see if you are being subjected to any kind of limited coverage. There can be a variety of reasons for having limited coverage. Some companies have a winter month layaway period. A poor driving record could be another reason. Whatever the reason, check out the conditions that apply before you start hitting the roads.

Know your parts: If you are anything like most motorcycle enthusiasts, every season will see at least ONE addition on the shining body of your machine. It's all very well to put in new chrome plating or getting a paint job done. But any additional features can substantially increase the value of your bike. Make sure that any new custom parts you have put on are covered by your insurance policy.

Know your riders: If there are any additional riders using your machine, update your insurance agency with this information. A change of address also needs to be reported as soon as possible.

Some insurance tips:

* Motorcycle insurance premiums are costly. Look around for the best deal before you buy one.
* Companies often hike premiums if you have a checkered driving record. So, maintain a clean driving record.
* An insurance identification card will provide the necessary insurance information in case of an accident.
* Licensed agents and companies are the most trustworthy.
* Always keep a note of payment dates. If you do not pay before the due date, you face the risk of cancellation.
* All payment receipts should be kept safely.
* Drop additional or extra coverage: If you own an old bike, you may be paying a premium that is more than what the bike is worth.
* Many motorcycle insurance companies offer good seasonal discounts. Look for them.
* If you intend to purchase both collision and comprehensive coverage, raise your deductibles. This will lower the cost of the physical damage coverage.

People do not take motorcycle insurance seriously enough. That is why they end up paying through their noses when the time of reckoning comes. All it takes is a little foresight to be able to procure the best motorcycle insurance around.

Summary:
A motorcycle is a major investment, not only in terms of money but also in terms of the wide range of emotions connected with it. So, you have to make sure that your motorcycle insurance coverage is as foolproof and as solid as your passion for your machine.

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By: Brooke Hayles
Author: Brooke Hayles
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