Useful Tips When Shopping For Motorcycle Insurance
1. Read The Fine Print.Motor Insurance Shopping Tips
One of the most costly mistakes that a lot of motorcycle owners make is not reading the fine print before the commit to buy a policy. While it can be a lot of fun to own and ride a motorcycle, what’s not fun is having to bear the burden of cost when it comes to crashes and medical bills.
If you have to, get together with someone you trust and get along with, and try and figure out exactly what you’ll be getting with the policy you’re considering. Knowing what it comes with, and possibly more importantly, what it DOESN’T come with, can make the difference between happiness and heartache.
2. Full Comprehensive Is The Highest Amount Of Coverage You Can Get – But Is It Right For You?
This is the most expensive type of insurance, and while it may make you cringe to see how much it costs, it may be worth it for the peace of mind and the protection you get.Considering that riding a motorcycle is one of the most dangerous forms of road travel, you’d probably be better off protecting yourself as much as you can.
In the event of a motorcycle wreck, most likely there will be injuries, and full comprehensive insurance is available so you don’t have to bear these costs alone. Plus, with full comprehensive, all your motorcycle gear will be covered too.
3. Know Your Driving Abilities And Make A Wise Coverage Decision
Are you prone to getting into car wrecks? Do you not have the best judgement in the world when it comes to making road decisions? If this sounds like you, then opt for the most insurance you can get if you can afford it. On the flip side of the coin, do you have really great driving skills and have never been in a wreck before? Someone in this position may opt for less insurance because the chances of them getting into a wreck are much less.
3. Be Truthful And Disclose All Pertinent Information To The Insurance Agent
Not being truthful with the insurance agent you’re doing business with can be costly in more ways than one. Not only can you get in trouble with the law if you get in a wreck, but insurance companies will think twice before doing business with you again. Look at it like this.
If you’re honest to begin with, it may cost you a little more, but at least you’ll be able to sleep at night without some “skeleton” in your closet about not being truthful. It would be a lot worse to wind up in court to pay money to someone when you weren’t properly or honestly insured because you lied to begin with.
If you lie to an insurance agent, it doesn’t matter how much you pay them. All your so-called insurance coverage will stand for nothing because it’s fraudulent.