Motorcycle Insurance Quotes
Taking into consideration that motorcycle insurance is mandatory in almost every state, it’s safe to say that all motorcycle owners will at some point be faced with the task of obtaining motorcycle insurance quotes. Of course, as with car insurance, motorcycle insurance is available to protect both the rider and his bike.
Some interesting facts which motorcycle owners should be aware of, is that while motorcycles only account for approximately two to three percent of all registered vehicles in the United States, there’s a motorcycle being stolen somewhere in the country more or less every ten seconds. Furthermore, it has also been established that there’s a motorcycle involved in approximately eight percent of the accidents that take place on our roads each year.
As is the case with nearly all forms of insurance, whether it’s for home, car or bike, choosing the ideal insurance can be quite daunting. Of course, considering how frequently motorcycles are stolen, most owners would be well advised to opt for full cover. Irrespective of which level of cover you choose, once you’ve made the decision the rest is easy. With just a few clicks, you can have a broker searching for the best possible quotes, which will then allow you to compare them side by side.
One factor that, of course, will influence the cost of your motorcycle insurance is the type of bike you own. Sport bikes look good, they sound good but they’re known to be fast. Insurance companies are also aware of this so sport bike owners can expect to pay higher insurance premiums. Likewise, touring bikes are large, they’re often used for traveling long distances and of course, they’re expensive so in most cases, owners of these bikes will also be faced with higher insurance costs. Essentially, insurance companies always take the type of bike you have into consideration when providing quotes.
Unlike cars that are for the most part used all year round, motorcycles are most often only used seasonally and this is something that often causes owners to opt for liability insurance rather than full cover. What you should keep in mind though, is that while you may save money on your premiums by choosing liability insurance, it’s certainly not going to give you that peace of mind you’re after. As with all things in life, you get what you pay for so the best thing you can do, is to let your agent determine exactly what all is included in each quote.
Furthermore, insurance rates are also influenced by other factors such as how often you intend to use your bike and do you take part in long distance trips, to name just a few. If you do in fact use your motorcycle to go travelling around the country, then knowing that you’ll be covered, should something go wrong, can make plenty of difference to your trip.
For these reasons, it’s always best to discuss everything with your agent. Be completely open and honest so that they in turn can provide you with good accurate quotes. If you decide to find your own quotes, take your time to shop around until you have a few which you can compare. If regular insurance companies aren’t giving you everything you need, then you should consider a company that only insures motorcycles, as they’ll often have a range of other benefits as well.