Motorcycle Insurance Articles
Prior Vehicle Accidents And How They Affect New Motorcycle Insurance Quotes
2010-04-06
Getting your first motorcycle is going to be one of the most exciting moments of your life. Driving a sports car is an awesome experience, but driving a motorcycle tops even a sports car for fun and excitement. Some people feel that driving a motorcycle is more difficult than driving a car and statistics show that people over fifty are more likely to have an accident if they are driving one. If you're considering the addition of a motorcycle to your auto insurance policy and you have accidents on your record, you should approach several companies and ask for a motorcycle insurance quote before deciding which company to choose. Motorcycle insurance is expensive and your motorcycle insurance premium will always be above the normal rate if you have any accidents on your record.
If you are prone to accidents previously on your motorcycle insurance, it'll be a burden to you and you may find it difficult to find a company that will offer you a policy. The best thing you can do is to check with all your potential agents and make sure you can get your ride covered before you put out a lot of money on something that, in essence, becomes the most expensive lawn ornament you have ever imagined.
Motorcycle insurance is important to have because claims are becoming more common with every passing year. When you pay your motorcycle insurance premium, you are not just paying for accident protection; you are also paying for theft and sometimes mechanical issues. Repair riders are becoming more common for all manner of auto insurance policies and will most likely become mandatory when you purchase full coverage. Accidents on your motorcycle insurance of the collision variety will include self or other fault accidents, weather related accidents, broken lights, etc.
When getting your new motorcycle insurance quote, there are a couple things you should ask before committing to one particular insurance company. The first thing you should ask is if the company provides discounts to customers who register more than one vehicle. Many times, you will find it to your advantage financially to register all of your vehicles with one insurance company due to discount options for multi-car customers. The second thing you will want to know about your insurance policy is if it covers uninsured and/or under-insured motorists. Not all states require this type of coverage and some people do not feel it is worthwhile. Studies show there are several million people who could potentially cost you a lot of money if you are involved in an accident with them because they are driving in the USA without insurance. Uninsured motorist coverage is an inexpensive way to protect you from irresponsible drivers.