Avoid That Motorcycle Crash!

Choosing the right motorcycle insurance is an important consideration for many motorcycle owners. This insurance can pay for medical bills resulting from motorcycle accidents, as well as for motorcycle repair costs. And motorcycle insurance can also cover any outstanding loans on the bike. In fact, if you apply for a motorcycle purchase loan, most lenders will require you to obtain insurance as part of the loan application process.

Motorcycle insurance can be expensive, but there are several things you can do to make sure that you get the best possible rate. First of all, decide the total dollar amount of coverage that you will need, as well as the deductible amount. Usually you will want to get coverage that includes yourself or another driver, passengers, custom equipment, collisions, uninsured motorists, and medical payments.

Your state may have minimum limits that you must meet, so be sure to be aware of those before you start pricing policies. And then get quotes from several different insurance providers so that you can do a price comparison and select the cheapest policy. You can do this by talking with your insurance agent, or by doing an online search for motorcycle insurance quotes.

Always make sure that you are comparing policies with the same amount of coverage and deductible values. Remember that a deductible is the amount you yourself will have to pay for each claim that you file before the insurance will pay anything. The higher the deductible, the cheaper the policy, but you must always be sure that the deductible is not so high that you wouldn’t be able to pay it if you had an accident.

And when you are applying for motorcycle insurance, it is very important that you are honest when you answer the questions on the application form. A few things that come into consideration when you are applying for motorcycle insurance are your age, riding experience, driving record, and details about your bike, such as value, power, age of bike, and any special modifications. If you do not tell the truth about these items you may find later that the insurance company will not make any payments on your claims, leaving you to pay all medical and repair costs yourself.

Another tip to save money on your motorcycle insurance policy is to bundle it with other insurance that you already have. For example, if you currently have insurance on your home or other vehicles, that particular company will likely offer you a significant discount on insurance coverage for your motorcycle.

It is also a good idea to take a motorcycle safety course. This will help you earn a discount on your motorcycle insurance because motorcycle companies feel an educated and trained rider who understands safety issues is less likely to make common mistakes or to indulge in reckless behaviors.

One of the time-tested age-old truths of beginning to ride a motorcycle is that you will tip over. It’s very similar to when you first learned to ride a bicycle-you fell more than a few times right? When learning to ride a motorcycle it’s much wiser to start on a smaller, inexpensive bike. If you go out and purchase a $20,000 monster for your first bike, you are asking for trouble. Simply tipping over in a bike like that could leave you with a repair bill of $1000 or more. It is imperative that beginning riders take some time to learn how to handle their bikes.   Some interesting findings in the Hurt Report (a motorcycle accident study)

1.      Two-thirds of single vehicle accidents are due to driver error.
2.      Riders between the ages of 16 and 24 are significantly more represented in accidents.
3.      Motorcycles riders involved in accidents are virtually without training-92% were self taught, or learned from family or friends.  lam lai bang lai xe bi mat
4.      In over half the accidents, the riders had less than 5 months experience on the motorcycle.   It’s easy to get over confident after riding for only a short time. Don’t be that rider, pay attention and drive safely. Motorcycles can be safe to drive, however the learning process can be dangerous.

Be aware of your abilities, and be extremely vigilant in watching out for other vehicles. Car and truck drivers often have difficulty seeing motorcycles. Also pay attention to the weather and road conditions.   Wear proper protective gear while riding-there are all kinds of protection for motorcycle riders-most importantly a good helmet. Some states don’t require helmets, but the fact is they are the single most important safety factor for riders.   An excellent way to start your bike riding career is to enroll in a motorcycle safety course. The Motorcycle Safety Foundation offers 15 hour courses (2-3 days) all over the country. They are supervised by expert riders, and provide a great way for beginners to develop safe riding skills.

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