Motorcycle Insurance Articles
Insurance To Keep On A Motorcycle If It Is Unused
2010-09-02
There are various reasons why a motorcycle owner may put a bike into storage or stop using the bike for an extended period of time. Regardless of the reason, it's important to keep insurance protection on your unused motorcycle. Most motorcycle insurance quotes are designed for bikes that are being used regularly, but by understanding your coverage and investigating your options, it's possible to find special coverage or lowered coverage amounts for your unused motorcycle that can greatly reduce the cost of insurance.
The first thing you'll need to think about is the coverages you're legally required to keep on your motorcycle. Depending on your state, you may be able to keep a motorcycle completely uninsured when it's in storage. Although this isn't the best idea, you should still keep some protective coverages on your bike in case of major weather events, natural disasters, theft and other dangers. These will be covered by comprehensive coverage. Call your insurance agent and explain you're putting the bike in storage and you want his or her advice for necessary comprehensive coverages. Some insurers have special add-ons that protect a bike from disasters, which are a worthwhile buy if you're serious about protecting your motorcycle. Be sure to pay attention to your motorcycle policy's deductible; however, remember, you'll have to pay the deductible when making any sort of claim. If it's set too high, all of the comprehensive coverage that you're paying for may not be worth too much, especially in small claims.
Some insurance companies even have special insurance programs for bikes that are placed in storage facilities or in a locked garage. These scale back the coverages on a bike, but keep sufficient coverage to protect it against the aforementioned unexpected events, and allow you to legally drive the bike when absolutely necessary. This can be useful if you're storing your bike, but you feel that you might want to take it on a joy ride every once in a while. However, you should remember that you're driving with a small amount of insurance--be very careful and stick to safe roads.
The best advice for finding cheap motorcycle insurance quotes on unused bikes is to speak with insurance agents and discuss your situation. Different drivers and different motorcycle owners need different coverage, and there's no real substitute for an agent's expertise. Gather quotes and talk to a few insurance agents, and you'll be able to narrow your selection down to a few protective, cheap motorcycle insurance quotes that will keep your unused bike safe until you're ready to ride again.