Cheapest Motorcycle Insurance Rates - Tips to Get the Best Deal Possible

There are ways to get the cheapest motorcycle insurance rates possible without sacrificing quality. Some people might think if you get cheap motorcycle insurance you will be getting a cheap company. The truth is that there are many discounts available that most people don't even know about and these will apply with most name brand companies if not all of them.

Tips to get the Cheapest Motorcycle Insurance Rates:

Shop around and get several online quotes. If you get 10 to 20 online estimates you will be able to find the best price because not all companies will offer the same discounts. Now you might think that this will take forever to do, however most online motorcycle insurance estimates will only take 5 minutes. So spend a rainy day when your not out on the bike doing this. Plus some companies will give you a discount because you bought online. Just like car insurance you can get a multiple motorcycle discount if you have more than one bike. These discounts can range from 10% to 35% depending on the insurer. But since you are getting several quotes you already know you will find the best deal. Riders safety course can give you up 5% to 15% on your insurance premium depending on the company. Some companies will also require that you get a refresher every 36 months. Since it normally takes one day to a weekend to complete the course it is well worth doing. If you are a member of some motorcycle organizations you could see a 10% discount depending on the insurance company. If you are unsure check with your members group or insurer to see if this applies. Just like getting a multiple bike discount you can save if you add another vehicle to the policy like a truck or car. This could be an additional 30% savings. Good riders with no at-fault accidents or anything more than a minor traffic violation for the past 60 months can save an additional 10%. Some companies will even give you a discount if you pay your premium in full or you set up an auto withdraw to pay your insurance. This discount can range from 5% to 15%.

So who has the cheapest motorcycle insurance rates? Well there are a lot of things that will determine your price that you will pay. Like where you live and the crime rate in your area. Plus it depends on the company you choose and how many discounts you qualify for. This is why its such a good idea to get several motorcycle insurance estimates to get cheap motorcycle insurance.

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Motorcycle Insurance 101 - About Motorcycle Insurance

Thinking of having to purchase insurance for your fun things like a motorcycle sometimes takes the joy out of owning them. This is just a little information to help you make a more informed decision before you take it on the road.

Motorcycle insurance rates, just like car rates, really do vary greatly depending on what type of motorcycle you purchase. Your premium could be as low as $200 for a small to mid-size, get you to work and back machine that's little more than a scooter, to more than $1,000 for a fast, racing type of motorcycle that will get you to where you're going at a speed the law might not approve of. It's best to shop for insurance prior to making your purchase so the cost of insurance won't be a shock.

Once you've decided on a motorcycle, there are several ways to help contain your motorcycle insurance rates. One way to lower your premium is to compare different deductibles. The deductible is the amount of money you are willing to pay for damage before the insurance company kicks in. The higher your deductible, the lower your premium will be, so taking on some of the potential cost yourself can help drive down your premiums. For older motorcycles, some people choose to carry "liability only". This simply means your insurance protects other people's property, but not yours. So if you get in an accident, a liability only policy will not pay to repair your motorcycle - it'll only pay to repair the damage you've caused to somebody else.

You can also contain costs by making sure you are maximizing all of the discounts available to you. Some of these include membership in groups, such as the Harley Owners Group, taking safety courses, insuring your cars and motorcycles with the same company, and even owning a home. Talk to your agent or broker to make sure you're taking advantage of every discount available and that you're not leaving any money on the table.

Insurance companies also looks at things like financial responsibility in determining your rate. If you pay your bills on time, most often, you will get a lower motorcycle insurance premium. The logic behind this is that if you are financially responsible, this will carry over to your driving habits.

Some insurance companies also offer motorcycle insurance discounts on drivers who take a motorcycle safety class. It varies by state, but if applicable the discount can be good for three years or more. It also doesn't hurt to take such a class to make sure you're as safe as you can be on the road.

So to review, buy only the coverage you need, but make sure you're buying the right coverage for your situation so that you're not wasting money. As always, if you have questions call your agent or broker. They will be happy to assist you in obtaining the right motorcycle insurance for you. Then you can concentrate on enjoying the road on your new bike!

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The Basics of Motorcycle and Moped Insurance Coverage

Discover Your State's Opinion on the Difference between Moped and Motorcycle Insurance

Mopeds and motorcycles might both be motorized bikes, but there are some very important differences between them. In many states for insurance, registration and inspection purposes, mopeds that have no gears or shifting mechanisms and engines that are less than 50 cubic centimeters will often not be considered motorcycles and will instead be treated as small recreational vehicles similar to snowmobiles.

In the state of New Jersey, the DMV states that they consider motorcycles to have engines that are 50 cubic centimeters and higher and to have a permanent saddle seat or platform for the driver. Mopeds, which are exempt from state inspections, must have pedals for traditional cycling and a motor of less than 50 CCs with the ability to reach speeds no greater than 25 miles per hour. Scooters, however, are treated as motorcycles no matter what size their motor.

Check out your state's DMV to see how they categorize your new set of wheels.

Meet the Basic Insurance Requirements

Once you've determined how your state classifies your vehicle, you must understand what the insurance requirements are. While these requirements might offer minimal coverage, it's a starting place to at least comply with state regulations. Generally speaking, each state will have the same requirement for motorcycle insurance as they do for standard automobiles. The state of Washington, however, does not require insurance for mopeds or motorcycles. And in the state of Louisiana it doesn't matter what you ride because to register either a moped or motorcycle, you have to follow the same set of insurance guidelines.

Once you've clarified the basic requirements you must meet for proper coverage in your state, your next step is to determine how practical these minimal requirements are. Often, the state-required limits leave motorcycle and moped drivers exposed to financial risks after an accident. For instance, your state likely has no requirement about comprehensive or collision coverage-which leaves you paying out of pocket for damages to your bike after a theft, fire or collision.

Instead of settling for the minimums, think about how much is at stake in an accident and get affordable coverage that actually protects your investment.

Custom Parts and Equipment Coverage

Finally, both mopeds and motorcycle drivers may want to consider custom parts and equipment coverage. If you have customized your bike-added any electronic equipment or a sidecar, had it custom painted or plated, added a new exhaust system or invested in pricey safety apparel or a trailer, then your comprehensive coverage in your standard insurance policy may not offer you enough to replace the cost of the items and installation after an accident.

As mentioned, comprehensive coverage does offer some benefits for custom parts and equipment, but the limit is lower than many bike upgrades cost.

Getting the right insurance coverage for your moped or motorcycle means protecting your wallet from the cost of accidents and damage to another's property. It ensures not only that your bike will have some financial protection but also that the others around you will get the right reimbursement after being involved in an accident with your bike. Call an agent and find out all the different points you should consider to have your bike covered properly.

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Caravan Insurance Quotes - What Types Of Discounts Are Available?

Taking a holiday in your caravan can be fun and exciting, but paying those insurance premiums can be a nightmare. Time and time again families decide to cut back on their policy in order to save money. It's great in the beginning when you're saving money each month, but if the caravan breaks down or becomes involved an accident it turns into a complete nightmare.

The most important thing to do when it comes to caravan cover is making sure the right policy is in place. Why save a few pounds each month when it's only going to come back to haunt you when something unfortunate occurs? We always recommend getting everything added to the policy that is needed and then look for ways to save money. If you only know how to cut corners by cutting things from the policy then take a look at these helpful hints below. There are tons of discounts at your disposal.

Here are a few discounts to ask about when you speak with a customer service representative:

Security Devices: One of the best ways to gain additional savings is by having some sort of security device attached to the caravan. The obvious choice is getting a security system like you would a home, but there are other possibilities as well. Take the time to ask a customer service agent what type of options are available. Even if the caravan doesn't have these now you could purchase them and then get the discount down the road.

Discounts for No Claims: A lot of companies offer discounts if the individual pays their monthly payments (or full premium) and doesn't have to report a claim. It saves the insurance company money, so they want to give you some of the savings as well. Unfortunately this particular discount depends on how well the year went in regards to accidents, breakdowns, thefts, vandalism, or anything else a caravan owners might have to claim for damages and repairs.

Online Purchases: Did you know almost every insurance company out there offers a discount for purchasing policies online? This is due to the overloaded competition that surrounds the Internet. If a cover company has a web site to sell policies then they want you joining them. The overall amount heavily depends on the company. Keep in mind even if it's only a few pounds it's still less than what you would have spent locally.

Standard Discounts: There are also standard discounts available for people looking for caravan insurance quotes. These are the ones you would probably get locally, but we recommend asking about them anyway. It's possible that one will be discussed you weren't aware of initially.

The point is, there are plenty of savings available when purchasing caravan insurance quotes. All you have to do is get out there and ask questions, do a little research, and find a reliable company to do the work for you. The individuals who ask will probably receive additional savings on a great policy.

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Online Shopping For Bike Insurance

There are a lot of people who are in need of better coverage for their motorbike and they don't even realise it. The thing is though, if you haven't shopped for coverage for a long time or even if you recently have, if you haven't been someone who took a lot of time to research the different policies, you are more than likely going to find that you do not have the best coverage for your needs. To figure this out, you are going to have to take a few minutes to do the needed research now.

If you have a current bike policy, you want to take a little time to review the policy to see exactly what is covered and how much coverage there is. Now, you still might not be able to see the problem, but once you start to learn about the different policies that are available you might be able to see that you really haven't had the best possible cover all along.

To find all of the available options in terms of policies, you are simply going to want to take advantage of the Internet. You could ask for advice on this, but you are still going to want to back up that advice with facts that you find on your own. This is the best way to make sure that you are indeed getting the best possible insurance coverage for your needs.

Once you have found what you believe to be the best type of coverage for your bike, you then want to do a little comparison shopping to make sure that you are getting the best price possible. For this, you will also want to make use of the Internet. This could take you a lot of time however, if you are not making use of the websites that can do the comparisons for you.

These sites are easy to use and are generally free of charge. They will take your information once and then do the leg work for you in order to make sure that you are getting only the best possible quotes. From there, you will have to contact the company you have interest in to get your policy started. This will include filling out an online application and going over all of your personal information again.

Try to make sure that you do a quick search on the company name in order to make sure that your bike insurance coverage is going to be through a company that is trustworthy. While you won't have a problem with the majority of the bike insurance companies out there, you will find that some of them have bad reputations that might have been well deserved. You want to make sure that you avoiding those companies at all costs. Follow these few simple steps and you will be able to know that you have coverage for your bike that simply can't be beat!

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Don't Risk Your Protection To Save A Few Pounds

In an effort to find the cheapest policy you could just to save a few pounds you may have ended up with inadequate cover for your motorcycle. This could very well be a decision that you are going to regret for the rest of your life. To help make sure that you get the best policy you can for the money you are able to spend consider the following.

1. Look, assess and then buy: It may sound like a good idea to call around to a couple different agencies to see what they all charge for third-party cover and go with the one that has the lowest premium. Yes, this may seem like a great idea, but this is only because you are making the false assumption that all third-party cover policies are the same. It is very important that you take the time to look at exactly what the policy you are being offered covers. The last thing you want is to be stuck in the middle of the road, standing in a court of law or facing astronomical repair bills because you wanted to save a few pounds.

2. Secondly, getting the wrong type of insurance will cost you more money in the long run then it saves you up front. If you live in an area that has a high crime rate and you decide that to save a few quid you are only going to get third-party cover you may end up spending more than you saved. Think about this, if the risks that surround your motorcycle are high it only makes sense that you opt for cover that is going to keep your investment as safe as possible. Sure it may cost more than you want to spend right now ask yourself if you would rather shell out the money for a new bike on your own.

3. The point is that you take the time to research on the internet or talk with an insurance agent that specialises in motorcycle insurance so that you can find out what options are available to you. You can even request quotes online. This can save you time, but you will want to make sure that you are getting quotes from reputable companies. Finding the right policy from a less than scrupulous company can be just as costly.

4. Even with a reputable company you may find issues if you don't understand exactly what you are looking for. Remember that the bottom line for the agent and the insurance company is to make money, while they try to keep your best interest in mind. In the end the one that is going to be responsible for what their motorcycle insurance did or did not cover is you.

Your motorcycle is giving you a way to feel free, make sure that you are getting the best cover you can afford so that you ward off a financial nightmare should something untoward happen to your motorcycle.

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