Motorcycle Insurance Articles
Buying Insurance For A Bike When Living In The City
2011-01-09
Your love of living in the city has its ups and downs, especially as far as keeping your motorcycle street legal is concerned. Urban zones are often ridiculously risky for bikers, so policy providers are more than willing to raise their bike insurance prices accordingly. No matter how good you are at defensive, attentive riding, you can't deny the fact that no matter what city you're in, you are stand a much higher chance of getting cut off, clipped or even run into.
Many bike enthusiasts living in the city seek to combat the high prices of bike insurance by going uninsured, which is like playing with fire considering the high-risk locale that raised their insurance in the first place. On the open highway, it's easy to notice a lone rider coming up behind your car. City drivers, however, have to deal with more frequent distractions, making them more prone swipe an inoffensive rider who just happened to be in the lane they wanted to switch to. Going uninsured is a foolish choice indeed.
Another way riders typically try to lower their insurance rates is to keep their bikes garaged in adjacent suburban neighborhoods, especially if they commute to these areas for work. Unfortunately, they still have to drive home, and on the off occasion they do get into an accident inside city limits, their insurance may raise questions as they attempt to file claims. Insurance companies are also becoming wiser to these sorts of tricks, which, though totally legal if the vehicle is actually garaged elsewhere, are highly frowned upon, as well as inconvenient. Not only do you need to find a friend or family member who will let you store your bike with them, you'll also have to get to that location just to take a ride on your motorcycle.
The best way to find low bike insurance in a city is to look online. As you'll find that some companies won't even provide motorcycle insurance for residents of certain cities, like Washington D.C., it's best to hedge your bets by getting as many free quotes as you can. If you look for insurance at an online insurance sales hub, you'll be able to easily compare and contrast a number of quotes while tweaking their particulars to match your specific desires. This includes policy details such as minimal collision coverage for older bikes and local garage repair and tune-up specials. Living in the city and riding your motorcycle as much as you like doesn't have to be a huge ordeal if you find insurance quotes through a reputable online dealer.