Motorcycle Insurance Articles
Where To Find Motorcycle Insurance Coverage For Outdated Bikes
2010-09-27
The first place to start when seeking motorcycle insurance coverage for outdated bikes is to understand what category the bike fits into. For instance, there is a difference between an "older model" or outdated bike and a "vintage" bike. An older model bike is simply one that has been supplanted by newer models in the same genre and class of bike - cosmetic enhancements and other factors have served to improve upon the original, making a bike to be considered an "outdated bike" amongst manufacturers and riding enthusiasts.
A vintage bike, on the other hand, is considered to be rare and in many cases virtually non-replaceable, not to mention expensive to repair. This could occur because the bike was amongst a limited edition manufacturer's release, part of an anniversary year, representing a significant breakthrough in technology, enhanced with custom add-ons or engine modifications, or other factors. These are two different categories when it comes to finding motorcycle insurance coverage for outdated bikes and should be understood before beginning the search in order to be sure to ask the right questions and find reasonable prices.
Many insurance companies will offer motorcycle insurance coverage for outdated bikes, but coverage for vintage bikes can be harder to find. If the bike is simply an older model or outdated bike, but in good working condition, garaged in a safe and secure location, equipped with necessary or optional safety features, an off-the-shelf model free from customizations, add-ons, and modifications, then a simple internet search will yield a variety of options for generating online quotes and reaching insurance agents who can offer a quote. It is important to shop around and price compare to make certain you are getting the best deal, especially in states where it is not a requirement that a motorcycle operator carry motorcycle insurance.
Driver age, gender and driving record can also affect motorcycle insurance coverage for outdated bikes. In this case it can be an advantage for a younger operator seeking insurance to be driving an off-the-shelf older model or outdated bike that has excellent safety and security features and has been kept in optimal working condition. When seeking motorcycle insurance for older bikes, be sure to have all of the information on the bike and the operator's driving record handy to negotiate for the best deal. After performing an internet search on keywords like "motorcycle insurance coverage for outdated bikes" and "motorcycle insurance older bikes", a list of insurance agents who offer such services will make it easier to begin the process of locating the best deal on motorcycle insurance to fit the region of operation, bike model, desired coverage level and budget.