Motorcycle Insurance Articles
Three Ways To Spot A Bad Motorcycle Insurance Quote Online
2010-09-12
Motorcycle insurance quotes abound online. One of the more lucrative aspects of the insurance market, motorcycle insurance quotes have become big business in recent years as more and more people learn to ride and take to the streets in bikes that run the gamut from slow cruisers to fast imported models. While motorcycle insurance quotes can be easy to find, it is far harder to find one that matches both the needs and the available budget of a bike owner. The simple truth is that motorcycle insurance is more expensive than that for cars and trucks, and some insurance companies take advantage of this fact by advertising bad insurance quotes for motorcycles online. Here are three ways to spot a bad insurance quote.
The first way to spot a bad insurance quote online is if it is too cheap. At first glance, this may seem like the way to go - cheap means lower premiums and more money in your pocket - but cheap doesn't happen without a reason. Often, policies that are too cheap skimp in areas such as bodily injury or property damage coverage, and this can leave a consumer unprotected in the event of an accident. Another way to tell if an insurance quote is not all it seems to be is if it appears too general, too vague. Motorcycles are a very specific industry, and every motorcycle type is unique. A website that seems to have no knowledge of the different brands, makes and models of bikes is one to be avoided, as their insurance quotes will probably not give the kind of coverage and liability that a regular rider needs.
A third way to spot a bad insurance quote is if the company lacks contact info, or is all about selling a deal immediately. Anytime a deal is found that has a time limit or that needs to be purchased in a certain way or be null and void, it is a good idea to avoid it. Similarly, a site that has no contact information, or one that takes a great deal of time to return calls or answer emails is likely not a good choice. Their prices might be right, but chances are that if they deal with prospective clients in this manner, they will do the same or worse when it comes time to make a claim.
While finding a good online motorcycle insurance quote is possible, riders would do well to remember these three things. First - too cheap is too good to be true. Second, a company needs to know bikes to cover them, and third, a company needs have communication.