subject: 6 Tips To Buying Bike Insurance [print this page] Do you own a motorbike? If so, then you'll need to secure cover for your motorbike before you can legally ride on the public highways.
Here are some helpful tips:
1. Consider buying motorbike cover from an existing insurer.
Do you already have cover for your auto or your home-or both? If so, then you could consider purchasing cover for your motorbike, from the same insurer. Your current insurer might offer you a discount, since they'd be absolutely thrilled to sell multiple policies to you. However, you shouldn't assume that bundling your motorbike insurance with other products will provide you with the best price. It might, or it might not. So do the maths!
2. Change whatever factors you can.
The premiums for motor bikers differ from one biker to the next. While you can't change some of those factors, others of them you can. So you'll need to do your homework.
3. Compare apples with apples.
This is absolutely, positively necessary when shopping for motorbike cover. Companies will often advertise rock-bottom premiums that seem too-good-to-be-true. That's because they basically are. The premiums advertised typically require that certain conditions be met, in order for one to qualify for them. So make sure to read the fine print before choosing a particular advertised product for motor bikers.
4. Get the help of a broker or agent.
This can make the process of searching for motorbike insurance much more convenient, and especially if you're short on time. Insurance agents and brokers will have access to several outstanding insurers, which will help you to find rock-bottom premiums for motorbike cover. However, as a word of caution you should learn about the amount of fees that they charge and keep an eye out for hidden fees. A fantastic deal on motorbike insurance might seem less fantastic after subtracting the fees of an agent or broker.
5. Make a list of potential insurers.
This is particularly helpful if you're in the dark about how to start looking for motorbike insurance. Start and maintain a running list of potential candidates. You should start with the insurers that you already know about. Also add the names of insurers that were recommended by friends, relatives, co-workers, and so on. And throughout the day you should jot down any motorbike insurers that you hear of through the mass media. After creating this list, you can start narrowing it down until you there's one that you haven't eliminated.
6. Shop online.
It would be an understatement to say that the Internet has revolutionized the way that we shop. And that applies to shopping for insurance policies, such as for bike insurance. Why spend half your day making phone calls and driving around town? Instead, the Internet makes it a cinch to compare quotes from different insurers. By simply clicking on your computer's mouse, you can navigate the Net to compare companies and products.
If you need bike insurance, then these six tips may help you to find the right policy for your needs. While motorbiking is fun, it will be even more so if you have the right insurance policy.
by: Christopher Reinhold
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