Motorcycle Insurance Articles
How To Find Motorcycle Insurance Companies For Imported Choppers
2011-11-01
Imported choppers are becoming more and more popular because of the design styles, power in the engines and to earn bragging rights amongst other bikers. There are many different motorcycle insurance companies and not all of them offer the same quotes. When you are looking for the lowest motorcycle insurance quotes, you need to know where to look.
There are many motorcycle insurance companies out there, so it's worth taking some time to get to know a few of them. Chances are, if you have car insurance, they also offer motorcycle insurance. This is a great place to start because you will probably get a nice, low rate for choosing to bundle your premiums.
Contact four or five companies to find out if they offer insurance for imported choppers and what their rate quotes are. Not all companies offer insurance for these choppers because they are typically more expensive and will thus cost the insurance company more to replace if you get involved in an accident.
You can also find an insurance broker to help you with the task. This lets you use the expertise of an insurance guru to locate the best insurance company for your chopper. These services are free to you because they get paid by the insurance company you end up choosing. The benefits to these brokers are numerous.
A broker will get you all of the insurance quotes so that you don't have to. The hours you would have spent looking up quotes online or calling insurance companies can be spent in other, more effective ways. You can then choose the insurance company that the broker recommends. The broker works with many different insurance companies, so he or she will already know which companies offer the best deals for imported choppers so that you don't have to.
Motorcycle insurance quotes aren't the same price, so don't take the first quote that's been given to you. You need to weigh the different quotes to what they offer. This includes how they calculate the cost of the bike. There are insurance companies who don't offer the full face value of imported bikes, which may be why their insurance quote looks so great. It's better to find out all of the details sooner than alter so that you don't find yourself paying for your chopper repairs out of pocket.
There are a few ways to get lower rates, too. If you are only a casual motorcycle rider, you may be able to get a reduced rate since the chopper won't be on the road as often as it would be if you rode it daily.