Navigating the many motorcycle insurance deals is not always easy. Here are 10 tips to be guided!
The first rule: Do not cheat
1) Driving without insurance? A madness
Driving a motor vehicle without insurance is illegal. Thus, you serve a two-wheeler without owning a motorcycle insurance will cost $ 5,000 in fines, suspension of driving license for up to 5 years and confiscation of the vehicle.
2) Do not make false statements
Lying about the features of his motorcycle at the signing of the insurance policy can cost you dearly. It's the same for any unreported changes (including unlock the vehicle) to the vehicle after purchase. Indeed, in case of accident, if the insurance realizes she was fooled she can simply refuse to cover you! If you or a third was injured, as the financial and legal consequences can be disastrous.
Determine the value of his motorcycle
3) The minimum to maximum protection
The need for coverage for a motorcycle depends on its rating Argus. Indeed, compensation in case of loss is proportional to the value of the fireball on the market. Thus, for a used vehicle or low value, you may prefer a third-party insurance, legal minimum that guarantees compensation for damage caused to others. However, if your bike is new, sporty and high-quality protection at maximum will not be useless. Comprehensive insurance protects you against damage to yourself and to others, as well as the bike, whether in case of accident, theft or fire.
4) Do not overlook the risk of theft
100,000 motorbikes are stolen every year in US. So even if your bike is not the most expensive, it can be expected to add to the liability insurance through a guarantee against theft.
5) Think about equipment
Helmet approved in the specialty apparel and accessories to customize your bike, the bill can quickly go up! And in case of accident, any purchase can quickly become very expensive. Some insurance policies offer specific optional coverage for your equipment
Managing your budget
6) Check the deductibles
The amount of contributions is one thing to pay deductibles disaster are another. Be careful to check this detail before signing, at the risk of a nasty surprise later!
7) Find the most advantageous contract
It is easy to feel lost to the multiplicity of offers traditional insurers, specialized companies, insurance brokers. To make a fair and quick finding of your needs, it is now possible to establish an online quote you with the most advantageous proposals!
8) Negotiate lower contributions
After buying a motorcycle, there is not always the means to trump the insurance budget. Do not panic! There are tricks to pay less: assemble all its contracts with the same insurer is. Do not hesitate either to make your car bonus, if it is in your favor, to negotiate more favorable terms.
Adjust contract terms to its location
9) Young driver: beware the surcharge
The young motorcycle driver is still the bane of insurers. His risk of accident is doubled compared to seasoned motorcycle drivers! Again, a negotiation with your usual insurer or track dedicated training (accompanied driving, training course 125) may ensure lower premiums.
10) "handlebar Ready": under what conditions
Lend your motorcycle right, but not anyhow. If you plan to regularly share your vehicle, you should check that third drivers are covered by your contract to avoid being caught out disaster. If, however, you are the one holding the handlebars, consider the argue with your insurance by a clause of "exclusive driving" that may motivate a drop of your contributions.
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