Initiate out the new riding season by looking for ways to save money on motorcycle insurance. People often get insurance on their motorcycles and then never give it another concept, except to pay the premium. There are many possible ways to save some money on motorcycle insurance policies.
Take a Motorcycle Safety Course
Just because you know how to ride a motorcycle doesn't mean you cannot benefit from taking a motorcycle safety course. Consider it a refresher to remind you of some safety features. Once you pass, take your certificate to your insurance agent and ask for a discount on your motorcycle insurance.
Join a Motorcycle Club or Organization
The American Motorcycle Association offers discounts on many things, including motel stays, rental cars and motorcycling events. Your insurance company may offer you a discount for being a part of this organization. Being a member of the AMA will also help you locate motorcycling events and motorcycle safety courses, and it will keep you up-to-date on motorcycle laws.
Review Your Motorcycle Insurance Policy
Have you checked your deductibles and medical insurance coverage since you purchased the policy? If you have had your motorcycle for several years, you may want to consider raising the deductible or even changing the collision amounts. Insurance companies also allow you to place driver exclusions on your policy.
If you have a younger driver in your household, or someone that doesn't have a pleasant driving relate, your motorcycle insurance may be higher just because they live with you. Putting an exclusion on your insurance for this person states that they will not be driving the motorcycle. This could lower your insurance premium.
Medical coverage on a motorcycle policy is expensive. If you have medical coverage at your place of employment, rob any medical coverage from your motorcycle policy. This means that if you have an accident and need medical attention, your health care policy will pay the bills, not your motorcycle insurance.
Consider What Type of Motorcycle You are Purchasing
Before you consume a new or used motorcycle, check with your current insurance company to compare rates. Some motorcycles, such as sport bikes, will cost more to insure. Older, cruiser-type motorcycles will cost less. Sport bikes have a reputation as being racing bikes while cruisers are more for street riding.
You may not be able to afford the insurance on a brand recent sport motorcycle, no matter how badly you want it. If you are determined to have one, choose a used sport bike. You will attach a substantial amount on motorcycle insurance.
Sources:
American Motorcycle Association
Bank Rate
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Filed under Motor Vehicle Insurance by on Feb 27th, 2011. Comment. 
It is virtually impossible to prevent every potential occurrence of identity theft, but there are ways to perform yourself less vulnerable – at least financially. Identity theft insurance policies help mitigate the costs should you ever become a victim, and although these policies can’t conclude the inevitable, they do provide consumers with peace of mind. If you believe that you might want to pursue this type of protection, you will need to evaluate insurance policies to make determined you get a good deal.
Deductible
You will have a deductible on any identity theft insurance policy, which is the amount of money you must pay out of pocket for damages before the insurance will take over. For example, if your deductible is $100, and you exhaust $800 (the standard) to correct the damage from identity theft, the insurance company will pay out $700. Just make determined you read the heavenly print, because some policies will have higher deductibles in obvious circumstances.
Attorneys
You might need an attorney to help rectify the damage from identity theft, particularly if you are sued over purchases you didn’t make. A solid insurance policy will cover your attorney fees when they are directly associated with the theft, and this is very considerable because attorneys are expensive. Keep in mind that there may be a separate deductible for this expense, so be sure to compare every facet of the policy.
Court Costs
In addition to your attorney fees, some identity theft insurance policies cover court costs from litigation or anything else you have to do. Even if you aren’t sued, you might have to go to court to change documents or attain a new social security number, all of which will result in incurred fees.
Wages
Anyone who has ever been a victim of identity theft knows that fixing it can be time-consuming. You’ll have to notify all of your creditors as well as the credit bureaus, go to court if necessary, dispute items on your credit report, and talk to the social security administration and perhaps even the DMV. This will probably require taking off from work, so find out if the identity theft insurance policies cover lost wages.
Premiums
A premium is the amount of money you pay each month for an insurance policy in order to keep it active. This is usually the deciding factor for consumers, but is really only what you should consider with all other things being equal. For example, if you judge that a policy that covers lost wages is important, you might be willing to pay more for it. Talk to the insurance company about ways to lower insurance premiums, such as participation in security programs with your credit cards.
Filed under Motor Vehicle Insurance by on Feb 23rd, 2011. Comment.
Riding a motorcycle can be a dangerous endeavor out on the freeways, two lane benefit roads and suburban city streets. Riders are more exposed on a motorcycle. This is part of the reason why motorcycle riders need to be even better trained and prepared than regular motorists. It's a sad fact of life that motorcycle accidents can be brutal and can come with astronomical hospital costs. So perform sure you are getting the motorcycle insurance coverage you need. But what if you want to attach money on your motorcycle insurance? Just like with your regular car insurance, it's a good idea to observe into what discounts your provider offers.
Buy More than One!
Most insurance providers offer discounts to riders who own more than one motorcycle. You can even mask your bike that is less important and only exhaust it on occasion and still catch the discount. This is an important one, as many (if not most) avid motorcyclists have at least two bikes.
Insure Your Cars with the Same Provider
As with your auto, fire, home and renters insurance be sure to bundle it all with one company. That blueprint you maximize discounting.
Discounts for Passe Riders
There are differing tiers of age groups that are deemed to be the “safest” motorcycle riders, so check with your agent to see if you are from the desirable age bracket.
Complete a Motorcycle Safety Instruction Course
This is a must for every new motorcyclist out there. Cycles can be deadly, and classes like this will teach you to respect your bike and preserve your life.
Additional Discounts for Those who Teach Motorcycle Safety Courses
If you go to enough of those safety instruction courses and then become the teacher, you might qualify for an even bigger discount.
Talk to Your Agent Before Buying Your Bike
Two bikes may cost the same amount at the dealership but have wildly varying insurance premiums. This is so important to keep in mind, especially for younger riders. Your agent will be able to direct you to the motorcycle that, thanks to its safety reputation, has earned you a healthy discount.
Ask for a Part-Time or Occasional Driver Discount
If you only ride on weekends, there is the possibility that you can get a discount due to your low miles. As always, tell your agent if your bike becomes your daily driver.
Raise Your Deductible
Just like with your car, if you raise your deductible, your premiums go down each month. Be sure that if something happens, however, that you can tranquil afford the deductible.
Skip Guest Passenger Liability Coverage
This covers people who ride as passengers on motorcycles, and the cost of this can be crippling for younger riders. If it isn't a necessity, why not just skip taking passengers anywhere?
Maintain a Clean Driving Record
No tickets and no accidents equals a agreeable motorcycle insurance discount.
Filed under Motor Vehicle Insurance by on Feb 18th, 2011. Comment.
If you’ve ever been in a car accident, you’re know that sick feeling that crops up in the pit of your stomach when you realize what happened and the hassle it will cause you. As a personal injury defense attorney for fifteen plus years I offer the following tips on how to handle the minor fender bender.
BE PREPARED
Let’s be honest. None of us request to get into a motor-vehicle accident and most of us don’t really want to think about it. However, preparation for the occurrence goes a long arrangement in easing tensions in the event it happens.
A DISPOSABLE CAMERA
First, your vehicle should gain a fresh, disposable camera at all times. Then, if the unthinkable occurs, you can take photos of the vehicles fervent at the scene of the accident. Don’t forget to photograph any pertinent traffic signs or obstructions to visibility, also. Such photos could become primary to your case, whether you are a defendant or a plaintiff.
Maintain INSURANCE CARD AND REGISTRATION HANDY
You should also keep your insurance card and vehicle registration in the car at all times. They should be kept in the same place in a protective plastic baggy and you should check their location several times yearly to make sure they are still where you inquire them to be. Many drivers glean extremely nervous at the scene of an accident and trying to find a misplaced insurance card only adds to the distress of the event.
DON’T TALK TO THE OTHER DRIVER
After the accident has occurred drivers can exchange insurance information but it may be best to wait for the police to arrive before doing this. If you do exchange insurance information with the other driver, do not discuss the accident with him. I’ve had many a client obliterate their own defense by apologizing to the other driver or worse, admitting to a specific fault. Don’t make this mistake. The best advice I can give you is this: say nothing at the scene to the other driver.
SAY LITTLE TO POLICE
When the police arrive you will be asked for your version of the accident. Keep it simple and do not implicate yourself. Remember, drivers are frequently confused about the event immediately after it has happened and it is better to say nothing instead of something that will defeat your defense even before you come by to court.
GET INFO FROM YOUR PASSENGERS
If there are passengers in your vehicle, ticket where they were sitting inside the car when the accident occurred and whether they were wearing seatbelts. Also, be aware of any physical complaints they make at the scene and make sure to rep their current addresses and phone numbers.
IDENTIFY OFFICERS AT SCENE
While we’re talking about gathering information, remember to get the badge number of
the officer at the scene. In the event of litigation, the officer’s badge number will help to accurately identify him in case you need him to testify.
CIVIC-E
Now, I realize that if the unthinkable does happen, you may not be able to recall any or all of the above suggestions. To make it easier think: CIVIC-E. They are: camera, insurance card, vehicle registration, implicate not (yourself), current addresses/phone numbers of your passengers and exchange insurance information with the other driver.
Needless to say, I hope you never have to worry about CIVIC-E. But if you do, I hope it helps you to remember these important tips.
Filed under Motor Vehicle Insurance by on Dec 16th, 2010. Comment.
