Enjoy the Perks of Motorcycle Insurance Into Autumn
Get insurance tips for riding your motorcycle in the cool
Autumn months. Are you fully covered?
It's been a hot summer! Too hot to enjoy a carefree
afternoon on the open road with your motorcycle. As you prep your bike for
cooler autumn rides, it's a good time to confirm that you're getting the most
out of your motorcycle insurance to make sure your bike stays in roadworthy
condition. Read over these tips to ensure your motorcycle coverage is riding in
your favor:
Verify that your coverage is current: Though it sounds
obvious, it's a good practice to double check the expiration date of your
policy before beginning a period of heavy riding. Be aware that some insurers
have layaway periods during the changing seasons in which coverage might be
restricted. If you like to ride in the cooler months, check with your insurer
to see if your policy contains similar limitations.
Keep your policy up-to-date: Inform your insurer of any
changes such as additional riders, a change of address, or a new bike purchase.
A quick call will take care of these instances.
Cover custom parts and equipment: If you've installed
chrome plating or given your bike a custom paint job, it's likely that the
value of your motorcycle will increase. Be sure to add these upgrades to your
policy to ensure complete coverage in the event of theft or a collision.
Drop unnecessary coverage: Older bikes may not need as
much coverage as you're currently paying for. It's recommended that you
consider eliminating collision coverage if that premium equates to ten percent
of your motorcycle's market value. In this case, it may be cheaper to pay for
repairs out-of-pocket in the event of an accident than to continue paying the
monthly collision premium.
Raise your deductible: By raising your deductible to
the maximum amount you can afford if filing a claim, your premiums will
decrease and you can save money every month.
Check for discounts: Call your independent insurance
agent to ask if you are eligible for any discounts that may be available.
Remember that prices can vary widely between companies. Your agent can shop
around for you and review quote comparisons to ensure that you're getting the
best deal.
Motorcycle insurance specialization: Some insurers
specialize in motorcycle insurance. These companies understand your particular
needs and offer specialized coverage designed for motorcyclists and their
bikes. Ask your independent agent if one of these insurers is a good match for
you.
With the appropriate policy in place, you can rest assured
that you and your bike are safe to enjoy those long autumn rides. Visit us at
our website for a free quote on Oklahoma motorcycle insurance today!
Article Source: http://EzineArticles.com/8019418
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