Now that spring weather is finally here to stay, it’s time to get the motorcycle out of the garage and into the sunshine! We have several months of prime motorcycle riding in store this year, but you may want to consider auditing your motorcycle insurance before hitting the open road. Here are three tips to help new and experienced motorcycle owners select the best policy for their needs.
Whenever you purchase new insurance of any kind (or really anything in general), it’s always a good idea to compare quotes from competitors. You want to get a feel for customer service quality, coverage options and each candidate’s cost. Ultimately, your final choice should probably exceed the minimum liability requirements to ensure both you and your bike are covered in the event of an accident. You should also consider comprehensive coverage that safeguards your bike from circumstances out of your control, like fires and theft.
It Isn’t Exactly Like Car Insurance
Motorcycle insurance rates and car insurance rates typically differ, so don’t let that be a surprise as you begin your search. Motorcycles usually cost much less than automobiles, but they obviously have increased accident risks. As such, those risk factors often come at a price. As is the case with car insurance, your premium will also be based on your previous driving record, type of motorcycle, age and potentially a hand full of other factors.
Don’t Assume Custom Additions Will Be Covered
Planning to customize your motorcycle down the road? Don’t automatically assume that the additions you make will be covered under your new motorcycle insurance policy. Instead, have a chat about the planned additions with your insurance agent. Extra optional coverage will often be recommended to cover the increased value that your modifications have added to the vehicle.
Choose the Right Motorcycle Insurance for You at Freedom Insurance
We offer comprehensive, customized coverage from numerous major insurance carriers and make it easier than ever to find affordable policies that are exactly what you need. We have been serving clients throughout the greater Howard County and Carroll County areas since 1979, and we look forward to helping you and your family thrive. Get in touch today by calling (410) 795-2000 or requesting a free quote.