Motorcycle Insurance Articles
How A Motorcycle Insurance Quote Provides Coverage Renewal Options
2011-04-21
At some point, every motorcycle owner will need to renew his or her coverage. Many bike owners don't spend much time thinking about coverage renewal, and some actually renew their policies automatically. This is unfortunate, because when a policy needs to be renewed, it's a great time to look around for a better motorcycle insurance quote and to quickly reassess the amount of coverage that a bike owner is paying for. Riders can get great new coverage or slash their monthly insurance bills by a huge percentage simply by taking the time to look at quotes before renewing their policies.
When a bike owner realizes that his coverage renewal is coming up, he should head online and find an insurance comparison website to get a few separate quotes. It's important to get accurate quotes, and in order to get the most accurate info possible, a rider will need info about recent traffic citations or other offenses that might push up the cost of insurance as well as the model number of his bike. Insurance comparison websites make it easy to get a few quotes quickly, as they work closely with major motorcycle insurance providers, and they can quickly let a rider know whether or not his coverage renewal is priced appropriately.
After looking at a few quotes, a rider can contact his insurance company to ask for a better rate if it's apparent that he's being overcharged. Even if a rider only finds one motorcycle insurance quote that costs less than his current policy, bringing the matter up to an insurance company representative may result in a better offer. It's very helpful to stay polite and courteous when negotiating for a better motorcycle insurance quote and to be ready to send a printout or an email with a competitor's quote in order to get a better price on policy renewal.
Many motorcycle insurance companies offer special discounts to new customers, so it's often possible to find a better rate by looking at a few quotes. Riders should try to stay with their current insurers if at all possible, however, as they can often negotiate for much lower rates by calling attention to their history with the insurance provider. Some insurers even have customer loyalty discounts for riders who keep their policies open for a certain length of time, and while the legality of these discounts varies from one state to the next, it's worth taking advantage of them when they're available. The most important thing is to research a policy before each renewal period, as this ensures that a rider is never overcharged for the motorcycle insurance that he needs.