subject: Don't Get Ripped Off On Your Bike Insurance [print this page] To ride legally, you are required to have insurance. This can be the most basic type of insurance, or one that covers everything. Whichever one you are in the market for, to save money and avoid being taken to the cleaners, it helps to know a few tips on how to save money on your policy.
Before you begin to look for the right bike insurance policy for your situation, know what level of cover you are seeking, based on your needs and what you can afford to pay. This can make the hunt for the cheapest policy much less stressful and time consuming. If you are searching for the very most basic policy so that you can legally ride your bike, it is still important that you hunt around for the best deal. This becomes even more important when you decide to add a lot of extras to your policy, since this can really raise the price you pay each month.
Take the time needed to search for the greatest insurance company that offers you the price you desire. Don't make the mistake of thinking that all insurance companies are basically the same and have the same prices. Nothing could be further from the truth!
It is amazing the differences in price from company to company, so check into many various ones to get the best deal. The Internet is full of comparison sites that allow you to check different companies and their policies against one another. This can save you a boatload of time and if you find a good price, money as well. Just because a company says they have the lowest price, don't believe it. Use your own judgement to decide which policy will be worth the price you will be paying for it.
Get cover that includes all of the things that are important to you. If you want to have help if you breakdown on the road, be sure that you can get breakdown cover at a reasonable price. Most insurance companies offer this, either with your standard policy, or as a standalone policy. Since getting the two at the same place isn't always the cheapest route, see if another company might offer just breakdown cover for less than you would pay with your standard insurance and breakdown combined into one policy.
Drive safe and help yourself. If you are very careful when riding, you can lower your premiums immensely through safe driver discounts. The longer you can go without filing a claim, the more you can take off your bike insurance. Even though you can't control others on the road, you can control the way you drive and learn defensive driving techniques that can enable you to better avoid accidents. Some insurance companies even offer discounts for simply taking a defensive driver course, so it pays to look into it.
The price you end up paying for bike insurance can be much less if you follow a few easy tips and show the utmost care when riding.
by: Tom Jones
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