QUESTIONS TO CONSIDER BEFORE BUYING MOTORCYCLE INSURANCE

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Whether you ride your motorcycle every day or you ride it only for leisure, you can always expect peace of mind whenever it comes to protecting your most-loved asset. Motorcycle insurance is specially designed for your two-wheeler and it makes sure that your motorcycle is insured against all kinds of damages and unforeseen events.   Insurance may not be the very first thing that you might think about for your newly purchased motorcycle, however, insuring your motorcycle is a must. Properly insuring your ride will protect it against all sorts of damages and will give you peace of mind so that you could enjoy it to the fullest.

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So, how much insurance would you need to insure your bike? According to motorcycle insurance companies, that depends on a number of factors, one of which is the kind of bike you own itself. However, before finalizing any insurance for your bike, there are a few questions that you must resolve with the insurer. We have listed out the following questions that you should address before purchasing the insurance for your bike:  

1. What is the cash value of the motorcycle and how is it determined?
It is very vital to know the real cash value of your motorcycle which you are going to insure. If the vehicle is damaged in an accident, vandalized or stolen, the total value of your vehicle has a lot to do with the total amount of money that you would be receiving as compensation. At the same time, you must make sure that you don’t end up over insuring your vehicle.  

2. How is the motorcycle classified?
The classification of your motorcycle is yet another point that you must consider while insuring your vehicle. Some motorcycles are considered as sports bikes, which are eventually subjected to higher insurance premiums than the normal ones. The differentiation is done because of the fact that the former deliver higher performance than the latter and hence, the higher insurance.

3. What forms of coverage are important:
There are a number of coverage options when insuring your motorcycle. Some of them are mandatory while others are optional. Mandatory coverage varies from state to state. Mandatory coverage usually includes the direct compensation of the property of others damaged during an accident, uninsured auto coverage, accident benefits coverage and third party liability insurance.

4. What optional coverage is available?
Optional coverage includes comprehensive, collision and loss of use, to name a few. Other optional coverage that should be considered includes: - Accessory coverage - Carried Contents - Enhanced Injury Protection - Medical Payments - OEM Parts - Transport Trailer coverage - Roadside Assistance - New Safety Riding Apparel coverage - And more …

5. How can I get the best rate?
We are not the only agency in town, but we have most of the better carriers and will sit and help you find the right one at the right price for you. Whether you ride a cruiser, sports bike, touring bike, dirt bike, moped, scooter, ATV or snowmobile, we have a policy for you. And it never hurts to ask us about discounts.