Is Your Cheap Motorcycle Insurance Giving You Sufficient Coverage?
The first shock for new bike owners is that cheap motorcycle insurance is a relative term
. There is nothing cheap about motorcycle insurance. Because of the inherent risk of bodily harm when motorcycle riding, insurance can be relatively expensive. That being said, there are still things you need to understand about your coverage that could get you much better deals and appropriate protection.
Medical insurance should be your first priority. Remember, the risks of injury when involved in an encounter with a car is always higher for the motorcycle rider and insurance costs reflect this. In spite of the fact that this is probably the most expensive part of your insurance you really don't want to find your self short of this coverage if you are ever involved in an accident. Even a short stay in a hospital can be so expensive as to cause financial ruin so medical coverage is really important. Also make sure that your medical coverage protects you regardless of who is at fault. This is pretty normal in most policies but you will need to make sure.
Comprehensive insurance is also essential. Comprehensive will pay you for all the non-accident related events that could occur like theft, vandalism, fire, etc... Crooks and trouble makers tend to target bikes so, unlesss you keep your bike well secured at night, you run a high risk of having something happen.
Then we need to add good liability insurance. The good news is that this should not be any more expensiive than for your automobile. Finally, get some collision protection and again this is more good news since collision for motorcycles is usually less expensive than for a car.
Understanding all of the above, how do you ensure that you get cheap motorcycle insurance that still provides the best deal achievable. Fortunately, the answer lies in doing some comparison shopping on the Web. In the past, the best way to get your insurance was using a local agent but that was before the Internet. This may have felt good but it did not guarantee the best rates. Agents make money by getting you to buy extra insurance so they don't necessarily quote you the lowest price. Now you can go directly to the insurance firms for your quotes and skip your local rep. There are several sites that allow you to compare directly different insurance companies and what they offer and at what cost. This guarantees that you will get the best price and they provide enough detail so that you can make sure you are also getting the protection you need.
It's good to remember that the cost of cheap motorcycle insurance is affected by some of the same elements that affect your car coverage. Things like age, location, type of bike and most notably, your driving record will all contribute towards higher or cheaper premiums.
by: Gerry Lalonde
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