Save big money on motorcycle insurance

If you own a Harley, Yamaha, Honda, or other fine motorcycle, you are probably very proud of your wheels. Bike prices are skyrocketing as more and more motorists take to the streets in search of the ultimate riding experience. How well insured are you? Are you satisfied with your current motorcycle insurance? Just because your auto insurance is with one insurance company doesn’t mean you’ll get the best deal on motorcycle insurance with them, so it’s important to look for competitive quotes for your cruiser or touring bike.

Let’s be honest. Not all auto insurance companies offer motorcycle insurance. You might have the best auto insurance plan available for your money, but know that motorcycle insurance isn’t even covered by the company. However, if you are covered, the rates are through the roof as your insurer simply does not want to cover the risk involved in traveling.

Whatever the reason, you may want to purchase motorcycle insurance separately from your auto insurance. This insurance should offer a wide range of options including:

Damage to your vehicle

Theft of your bike

Vandalism of your ride

collision insurance

Plus, towing and labor can be included in your plan or medical payments and even additional coverage for specialty equipment like tailpipes, sidecars and more.

Choose the deductibles that best suit your needs. If you don’t ride a bike much, especially in colder climates, make sure your insurance representative takes the information into account when quoting you a rate. Why pay additional insurance if you only ride a bike six months out of the year?

If you find the rates quoted for you are still too high, you may be overlooking additional available discounts including: successful completion of a motorcycle safety course you’ve previously taken and your motorcycle association membership. In many cases, you can receive additional discounts if your homeowners insurance and auto insurance are from the same company. It’s possible to save ten percent or more on all your insurance if you bundle your insurance through one provider.

Finally, check with other cyclists to find out who is insuring your bike. You could be missing an important opportunity that others are already taking full advantage of, but are willing to share that information with you.