Extra Coverage When you are shopping for motorcycle insurance, besides basic coverages, such as bodily injury liability insurance, property damage liability insurance, collision insurance, and comprehensive coverage, you may also be interested in including additional coverage as well. Motorcycle insurance policies are designed to fit the requirements of each individual, so you may want to consider the following extra coverages when taking out a policy. Coverage for Optional Equipment One added coverage that you may [...]
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Given that motorcyclists are more vulnerable to the elements and road hazards, it’s important to understand the various coverages of motorcycle insurance so you are covered sufficiently in case of an accident. Therefore, besides taking out the required liability coverage, you will, no doubt, find that other available motorcycle insurance coverages are important to include as well. Therefore, the following coverages give you a general idea of the basic protection that can be offered in [...]
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Maintenance increases Safety and therefore Lowers the Number of Motorcycle Insurance Claims A safe motorcycle is also a well-maintained motorcycle. Therefore, if you want to minimize the chance that you will have to file a claim or want to avoid asking for roadside assistance, keeping your bike in tip-top shape is a practice that will pay off for you in the long run. Especially if you use your motorcycle as your main mode of transportation, [...]
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Another Road Hazard for Motorcyclists: People who Send Text Messages You have to be exceptionally careful when you drive a motorcycle, especially when you see drivers who are sending texts or talking on their cell phones. That fact was underscored recently in a study conducted by the Texas Transportation Institute located at Texas A&M University. The research concluded that people who text messages while driving have twice the reaction time as those drivers who refrain [...]
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Owners of Customized Motorcycles have Different Insurance Needs If you have a customized motorcycle, then choosing motorcycle insurance is a different matter for you than for the owner of a standard motorcycle. Most custom bikers love to ride their bikes and have put a lot of money into their investment. Therefore, the coverages they require will be somewhat different than it is for those riders who own a street bike. Features of A Standard Motorcycle [...]
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Insurance Claims on the Rise for Older Drivers of Motorcycles Not everyone who rides a motorcycle is a young spry. In fact, motorcycle insurance claims for older motorcyclists have been on the rise. That’s because older, more affluent people are choosing to drive motorcycles nowadays – apparently the reason that there were almost eight million motorcycles on the highway in 2008. So, why are more older drivers injured or killed in motorcycle accidents than in [...]
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Expect to Pay more on your Motorcycle Insurance if you Own a Sports Bike You will probably pay a good deal more on your motorcycle insurance premium if you drive a sports bike and are 20 to 35 years of age. According to the Insurance Institute for Highway Safety, Supersports type motorcycles or sports bikes are the cause for the most driver deaths among motorcycle drivers. In fact, the death rate among every 10,000 registered [...]
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Think about What Protection you Need before Shopping for Motorcycle Insurance A motorcycle insurance policy is similar to an auto insurance policy except that the insurance usually comes at a higher premium price. Therefore, while you may be saving on gas to ride your motorcycle, you may also have to direct the extra money you are saving to your motorcycle insurance policy. Needless to say then, you need to prioritize your coverages before you shop [...]
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How an Insurance Score Differs from a Credit Score With respect to obtaining motorcycle insurance, an insurer uses an applicant’s insurance score in order to offer competitive rates and provide coverage at an equitable price. An insurance score for motorcycle insurance then is an indicator of the potential for loss. Some people think an insurance score is synonymous with a credit score. However, that assumption is incorrect. The insurance score is based on your credit [...]
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Before you drive the highways and byways on your motorcycle, you should consider your options with respect to motorcycle insurance coverage. If you are shopping around for insurance then, take time out to assess if the companies you are considering provide the following: –Does the insurance company provide additional coverage for your safety attire? What does the protection entail? Usually, damage to helmets and clothing is covered but the protection does not extend to coverage [...]
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