If you a fan of life on two wheels you know there is nothing better than a long motorcycle ride to clear the head and de-stress. To make sure your bike is protected, we offer a few helpful motorcycle insurance tips to make you have the right coverage:
- Verify coverage for custom parts and accessories. The sheer number of accessories available to make a bike truly yours is dizzying. Do not make the mistake of assuming those installed accessories are automatically covered by your motorcycle insurance. A good policy will provide at least $1,000 of coverage. Better policies have $3,000 included with an option to purchase more.
- Ask about discounts. Do you belong to a rider group? Have you taken the MSF or equivalent rider safety course? Do you have multiple policies with the same insurance company? Make sure your agent is looking for discounts and applying them to your policy. The total savings could be substantial – up to 40% off the base rates.
- Roadside assistance to the rescue. Flat tires, mechanical failures, and empty gas tanks are all part of the motorcycle experience. A good roadside assistance plan can save you from an expensive towing bill. A good motorcycle insurance policy will include a roadside assistance plan with 24/7 service.
- Cover the gear that covers your butt. Quality motorcycle riding apparel is expensive and many good motorcycle insurance plans provide coverage for helmets, jackets, and pants in the event of a motorcycle accident or theft.
Lastly, and perhaps most importantly, work with an insurance provider that understands motorcycle insurance. At Safeguard Insurance, we have several agents that ride motorcycles. We know what type of coverage you need and what insurance companies provide the best coverage. These motorcycle insurance tips are just the start of the information our agents can provide.