Motorcycle Insurance
There's nothing like cruising down the open road on your motorcycle - the scenery rushing by and maybe a few bugs in your teeth. But you need to steering your ride in the right direction even before you start your motor... by making sure your motorcycle insurance policy is in good working order.
A motorcycle is an important investment. And you owe it to yourself to make sure your motorcycle insurance is current and you are properly covered before you ride your bike.
As you know, riding a motorcycle is different from driving a car. Your motorcycle insurance needs are different, too. That's why it is imperative to select a company that specializes in motorcycle insurance.
Do you need to update your motorcycle insurance policy? First, verify that all your coverages are still in force. Be aware that some companies have a winter layaway period during which some coverages are restricted.
Check with your insurance company to see if you currently have any type of limited coverage. Next, note any changes such as additional riders or a new garaging address. A quick call to your independent agent or insurance company will ensure coverage that reflects your current needs.
Consider additional liability coverage. If you have significant assets, both personal and a high value customized bike, it may be to your benefit to carry a higher limit, just in case you are involved in an accident that causes injury to someone else or damage to property.
If you do not already have medical payments coverage, check into adding it. Medical payments coverage pays your medical bills as well as your passenger's in the event of an accident. This coverage is available in limits up to $25,000 or more4 in most states.
Make sure custom parts and equipment are covered. Additional parts such as chrome plating, a custom paint job, saddlebags or special rims usually increase the value of your motorcycle and may not be covered. If you have added any custom parts or equipment, you will definitely want to check your policy or call your independent agent to make sure they are covered.
Know your options. Rates can vary from one company to another. Be sure to shop around to see, if another company offers you a better rate. Check to see, if you qualify for any discounts. If you have comprehensive and collision coverage, consider raising your deductibles. Doing so can help to lower the cost of your policy.
Choose a company that specializes in motorcycle insurance. Make sure your agent understands the special needs of motorcycle owners and offers specialized coverages that are designed for them and their bikes.
This article was written by Carla Edwards
Edwards Insurance Agency, Inc
7505 Waters Ave Ste D-7
Savannah, GA 31406
http://www.theedwardsagency.com
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