Motorcycle Insurance Articles
Three Things Every Motorcycle Insurance Quote Should Contain
2010-11-05
Shopping for motorcycle insurance is an important step in protecting yourself and your investment should you ever get into an accident or damage your motorcycle. Insurance companies nationwide are getting more competitive than ever which is great news for you, the consumer. This means lower rates and better coverage- but you have to be willing to shop around for the best motorcycle insurance quotes. Once you've browsed through the numerous insurance companies that will insure your motorcycle, there are some things you should look for. There are at least three things every motorcycle insurance quote should contain in order to give you the best coverage and rate available.
First off, all motorcycle insurance quotes should be free of charge. There is absolutely no reason to be paying somebody to give you a quote. This also allows you to shop insurance quotes from many different companies and compare their rates and coverage to decide which one offers the best protection per dollar for you. Although this is not one of the three things your quote must contain, it is equally important to note as you begin your search.
The first thing your motorcycle insurance quote should include is called bodily injury liability. Getting injured in an accident is never anyone's intent but it is vital to make sure you have the proper amount of coverage should you or someone involved get hurt. This coverage protects you should you ever hurt someone else in a motorcycle accident. Be sure to have the proper amount of coverage in this category or you could end up paying a lot more than your policy covers.
The second thing your motorcycle insurance should include is collision protection. This will cover any damage to your motorcycle if you ever collide into a rogue traffic cone, parked car or any other number of road hazards. With this coverage your bike will be fixed or replaced if you happen to damage it in a collision or upset.
The third and possibly most important thing your policy quote should have is comprehensive coverage estimates. Electing a policy that covers your bike for what it's worth in case of fire, theft, vandalism or other damage will save both you and your wallet a lot of grief. Choose a deductible that is affordable and will provide a level of coverage to protect your investment.
These are the three things every motorcycle quote should contain, at the very least. Shopping for quotes can seem like a daunting task at first, but in the end it is to your utmost advantage to ensure that you are getting the highest level of coverage with the most competitive pricing available.