subject: Motorbike Insurance 101 [print this page] Motorbike Insurance 101
You have saved your nickels and dimes in order to get just the right bike, you have your license, and the only thing that is keeping you from the open road is having motorbike insurance. There is a lot of hard work and decent sums of money involved in purchasing, maintaining, and riding a motorbike. One of the biggest expenses, aside from the initial purchase of your bike is going to be motorbike insurance. Having a bike without having insurance is almost like having a bike without an engine. You need it in order to ride. It is essential, necessary, and can cost a bit more than you might have expected. Just about the only thing that is cost effective about a motorbike is the fuel economy. While they are much smaller than cars and trucks, they are proportionately more expensive than the former. This increased expense also applies to motorbike insurance. Since the rider is more exposed to the elements, if an accident occurs, there is a higher chance of severe injury and death. This alone can account for the increased cost of motorbike insurance. One thing that we must remember, before we start talking about the unfair treatment of motorbike riders is that riding is not a right, it is a privilege. No one is forcing you to have a motorbike. If you choose to own and operate one, then you are legally obligated to carry motorbike insurance. Not all motorbike insurance is created equal. This means that you must do the research and ask the right questions in order to find the best motorbike insurance policy and rate. If you are not sure where to start your investigation, sign onto the net and do a search. There are a lot of insurance companies that will offer motorbike insurance. Do not make the mistake of grabbing the first policy that you see, make sure you compare pricing and coverage between multiple insurers. Another method for finding motorbike insurance is to open the phone book and call around to local insurance agencies. Talk to the agents and ask questions about motorbike insurance. You might be surprised to find that there are things that you never considered that could dramatically affect the premium cost of motorbike insurance. Make sure you ask the agent(s) for suggestions on how to save money as well as what to look for in a motorbike insurance policy. Once you have all of the information you think you need, use it all to find the best policy for you and your bike.
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