If you are a motorbike lover, make sure you invest in motorbike insurance that will cover yourself and your machine before hitting the road – figuratively speaking of course.
Don’t settle for just any motorbike insurance. Make a list of questions and needs that you have and then call several companies to compare their services. Visit with agents to see if they are people you can work with and feel comfortable trusting. Look online to find out the company’s history and see if there are negative comments and reports floating around. Most importantly, talk to your friends and family about their experiences with insurance companies.
There are some things that you need to make sure stay consistent when you are getting quotes:
Motorbike model: The year and make of your motorbike will be one of the largest factors in determining the cost of your insurance premium.
Amount of coverage: Insurance companies will only pay out market value incase of an accident, so make sure that you are only pricing coverage for that amount.
Deductibles: There are varying degrees for deductibles, so make sure you keep the number consistent when getting quotes from different companies.
Extras: If one quote includes roadside assistance, then make sure they all do. The little things can make a big difference in the final quote.
Discounts: Insurance companies typically give discounts to drivers for good driving records, taking special safety courses, or having multiple insurance policies from one company. Make sure you get all the same discounts when comparing rates.
Shopping for motorbike insurance can be almost as tricky as shopping for that first bike. To make sure that you compare oranges to oranges – the rates are on the exact same products – keep a list of the terms you have been getting quoted right at hand.
After you get all the numbers crunched, add in the personal factor. No matter how good the rate, motorbike insurance doesn’t do you any good if you can’t get the company to respond to your claim. When you find a company that you can trust, an agent that you feel comfortable with, and a rate that you can afford then your motorbike insurance will make your biking experience a dream and not a nightmare.
Kathryn Lang is a freelance motoring journalist, who moderates at
autos forums and has written a report into
Motorbike Insurance
