If you don’t know, ask! We encourage our customers and potential customers to ask questions when shopping for insurance. You never know what you may discover, from possible discounts to new coverages and add-ons. You can save lots of money and maximize your coverage by asking a few questions.
When shopping for motorcycle insurance, here are five questions to ask the agents.
Do I Qualify for Any Discounts?
Some insurance companies will offer discounts, especially if you’re a loyal customer. However, you must ask. Don’t hesitate to ask the agent if you’re eligible for discounts for the following reasons:
- Having experience (loyalty)
- Having anti-lock brakes
- Attending safety courses
- Bundling policies
- Being part of a motorcycle association club
Can I Add Roadside Assistance?
Another question to ask when buying motorcycle insurance is if they provide roadside assistance. Many companies will offer roadside assistance as an add-on to your coverage. This typically includes towing, minor roadside repairs, and trip interruption coverage. This is essential for those who use their bikes more often.
What Is My Motorcycle’s Classification?
Motorcycles come in many classifications and styles, just like cars, trucks, and other motor vehicles. Your motorcycle’s type determines your insurance rate. Sport bikes are typically subject to higher rates. Why? Because sports bikes can drive at higher speeds, which can potentially cause worse accidents.
The cost of insurance can affect the overall cost of owning a bike. If you’re buying a motorcycle, compare the average insurance premiums for each type of motorcycle. This will allow you to decide wisely and pick the most affordable bike.
How Can I Calculate the Cash Value of My Bike?
Calculating your motorcycle’s cash value is important when shopping for insurance. This way, you know how much the bike is worth in case of a car accident, theft, or vandalism. Your motorcycle’s cash value will determine how much money you may receive as compensation. Asking the agent how they determine the value will help you figure out if you’ve under- or overinsured your bike.
Are There Any Coverages for My Gear and Accessories?
Most motorcycle insurance policies have the option to cover your gear and accessories. If offered, there’s typically a limit on much you can insure. Items you can insure include:
- AM/FM radio
- GPS
- Helmet
- Riding gear
- Windshield
- Safety guards
- Luggage rack
However, to find what the provider includes in the coverage, you need to ask more specific questions, such as the following:
- Can I cover additional bike parts if I customize my motorcycle?
- Will the coverage pay for my gear if it gets stolen or damaged?
- If damaged, will I have a guarantee of receiving original equipment manufacturer parts or ones from a third party?
At Saferoad Insurance, we strive to extend our knowledge and be a resource for our drivers. Our team hopes your insurance shopping continues going smoothly with the questions we’ve provided. We're here if you’re still looking for an affordable insurance provider! We offer motorcycle insurance online and are always open to answering questions about our policies!
Contact us today to talk to our agents about affordable motorcycle insurance options.