Motorcycle Insurance 101: The Essentials
(NAPS)—A motorcycle is a significant investment. Before
you get your motor running and head out on the highway this season, you owe it
to yourself to make sure your insurance is up-to-date and you’re properly
“Just as riding a motorcycle is much different than
driving a car, riders should know that their motorcycle insurance needs are
different, too,” said Rick Stern, motorcycle product manager, The Progressive
Group of Insurance Companies.
Here are some tips:
Update your policy. First, verify that all your coverages are still in
force. Be aware that some companies have a winter layaway period during which
some cover-ages are restricted. Check with your insurance company to see if you
currently have any type of limited coverage. Next, note any changes such as
additional riders or a new garaging address. A quick call to your independent
agent or insurance company will ensure coverage that reflects your current
Consider additional liability coverage. If you have significant assets, it
may be to your benefit to carry a higher limit just in case you are involved in
an accident that causes injury to some-one else or damage to property.
Look into medical payments coverage. Medical payments coverage pays your medical bills as
well as your passenger’s and is available in limits up to $25,000 in most
Make sure custom parts and equipment are covered.
Additional parts such as chrome plating, a custom paint job, saddlebags
or special rims usually increase the value of your motor-cycle and may not be
covered. If you’ve added any custom parts or equipment, you’ll want to check your
policy or call your independent agent to make sure they’re covered.
Know your options. Rates can vary, so shop around to see if another company
offers you a better rate or if you qualify for any discounts. If you have
comprehensive and collision coverage, consider raising your deductibles. Doing
so can help to lower the cost of your policy.
Choose a company that specializes in motorcycle insurance. For example, Progressive is
America’s largest motorcycle insurer. Progressive agents and brokers understand
the special needs of motorcycle owners and offer specialized coverages that are
designed for them and their bikes.
Eight Tips To Gear Up To Motorcycle Season
(NAPS)—To steer this riding season in the
right direction, you’ll want to make sure your motorcycle—and your motorcycle
insurance policy—are in good working order before hitting the open road.
While you should always check your owner’s
manual for specific guidelines, here are some general tips for getting ready:
Change the oil and filter. Many manufacturers recommend changing the
oil and filter before storing a bike for any extended period of time and again
when you bring it back out for riding season. Be sure to first start up the
motor-cycle to warm the engine and then shut it off before changing the oil and
Check the belt or chain. Make sure it is set to the manufacturer’s
recommended tension. And if you have a chain, lubricate it.
Check nuts and bolts. Start off the riding season with a solid
bike. Make sure everything is tight. “A well-maintained motorcycle not only
assures a fun time, it can save you money by avoiding accidents, which helps to
keep your insurance rates down,” says Rick Stern, motorcycle product manager,
The Progressive Group of Insurance Companies.
Inspect tires. Look for any damage and also make sure
each tire is inflated to the correct pres-sure. You’ve only got two tires, so for
maximum stability it is very important to avoid underinflation as well as
Look for fluid leaks. The easiest way to check for this is to
look at the floor under the motor-cycle. Leaking oil or brake, radiator or
clutch fluid can cause their own special problems. For example, being low on
brake fluid could make it hard to stop your motor-cycle. You don’t want to find
that out after you’re already on the road.
Check all lights. Make sure headlights, taillights, brake
lights and turn signals are all functioning properly.
Brush up on your
riding skills. Find a safe place to practice riding skills such as fast stops,
figure eights, U-turns, etc., so you’re ready for the season. You’ll be glad
Update your policy. Per-haps one of the most important things
you can do at the start of the season is review your insurance coverage to be
certain you, and your bike, are covered. Talk to your local independent
Independent agents represent many companies and they can help you to
understand the cover-ages you need. An independent agent can also help you find
the combination of price and service that’s right for you.
Call us at 254-662-4171, or email us at firstname.lastname@example.org We’re here to help!