by Tim Gorman
One of the first things you need to do before hopping on your motorcycle and riding off into the sunset is to make sure you're insured. Companies that offer motorcycle insurance are going to be looking at a few specific things before they issue a policy. So here are a few tips to help you make sure you have the right information available, so that you can speed up the process.
Riding a motorcycle can be a really invigorating experience - the wind blowing through your hair as your cruise along the road in beautiful weather. No cares in the world, just the smell of leather in your nostrils. If you've decided you want to get a piece of this great lifestyle, but don't know where to start, then this article is for you
One of the first things you need to do before hopping on your motorcycle and riding off into the sunset is to make sure you're insured. Yes, I know this sounds a little mundane and boring, but it's vital. Companies that offer motorcycle insurance are going to be looking at a few specific things before they issue a policy. So here are a few tips to help you make sure you have the right information available, so that you can speed up the process.
The type of bike you ride is one of the most important factors the insurance company will consider. Motorcycle insurance is no different to getting insurance for your car or boat in this respect. Insurance companies don't necessarily care about whether or not they think you'll end up getting in a wreck, but they certainly want to know how much it's going to cost them to either repair or replace your bike. So both the cost of the bike and its level of safety features make a big difference to the premium you pay.
If your bike has lots of fancy add-ons, then you can almost guarantee you'll pay more for your insurance coverage. That's because the insurer has more to replace in the event of an accident. So if you want to save a few bucks, then it might be worth giving the various bike accessories a miss for now. Flashy tools, lights and various pieces of machinery can look cool, but the insurance company isn't impressed by cool - they just add up the cost and increase your premium accordingly.
The better known the manufacturer of your bike, the cheaper it will be to insure. This is because the insurance company has to assess what it's going to cost to repair your bike in the event of an accident. When a bike manufacturer is common and well known, then it's going to be much easier to source replacement parts for the repairs. That means the bike will be much cheaper to repair than one made by an unknown manufacturer.
