subject: Tips For Finding The Best Motorcycle Insurance Rates [print this page] A person riding a motorcycle is far more likely to have an accident than a person who drives a four wheeled vehicle. There are many different reasons for this, one is that car and van drivers simply have a harder time seeing a motorcyclist.
Whether is it because of blind spots, or just not paying as close attention, some just don't see a person on a motorcycle. This can also be because some motorcycle riders are careless and think that because they own a motorcycle, they don't have to pay attention to the rules of the road.
For this and many other reasons, it is important to have motorcycle insurance. Even if you are the most observant driver and drive defensively, doesn't mean you will never have an accident. You are required to have some kind of insurance no matter where you drive and if you get pulled over and don't have insurance, you can get into serious trouble. If you are financing your ride, you are required to have full cover, or the finance company can repossess your bike.
There are many different factors to take into account when trying to find the best rates. How often you ride, where you ride and if you have passengers are a few considerations. How much of each kind of cover you need is also important in order to get better rate quotes. There are discounts for being a safe driver, not having any speeding tickets and you can also get discounted rates depending on your age.
If you take extra approved advanced driving courses, this can help you as well. You also need to be aware of the different kinds of insurance cover available. There is liability insurance, which covers other motorists that are involved in the accident.
There is collision and personal injury cover, which covers you and your bike's damage. Under insured and uninsured cover protects you against other drivers who may not have insurance, or not enough insurance. Then there is also comprehensive insurance, which covers other things like vandalism, theft and non accident damage to your motorcycle.
Having lower cover can often mean better insurance rates. If you don't ride a lot, then maybe you don' need to have as much cover for the types of insurance. Often the bare minimum cover can be enough and if you live in places where you experience severe winters, you can often get lay-up discounts during these months. If you have extra safety features on your motorcycle, you may get a lot of discounts.
There are also other ways to get better rates on your motorcycle insurance. If you have a higher voluntary excess, then you can often get a better premium. You can get discounts if you have your insurance payment taken out of your bank account instead of writing a check. It is important that when you are looking for the best deal on bike insurance, that you shop around and get quotes from many different companies. You need to find a company that will work with you, to give you the most discounts.
by: Tom Jones
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