Summer is the greatest time of year to be a motorcycle owner. Nothing beats the feeling of racing down the highway on a powerful bike with the wind whipping past you and the sun beating down on your back. However, the high cost of motorcycle insurance can ruin your enjoyment of summer. Here are a few tips to get cheaper motorcycle insurance this summer.
Using an independent insurance agent can help you to get the best value motorcycle cover, as they will compare quotes from many agencies. An insurance agent does the hard work of shopping around for insurance on your behalf, so you can be sure of getting the best deal without having to spend hours of your precious time researching and comparing quotes.
Part of the purpose of motorcycle insurance is to cover you in case your bike is stolen. If you can reduce the risk of theft by securing your bike more effectively, then you might be able to negotiate lower insurance premiums. If possible, park your bike in a garage, or use a sturdy lock to secure it outside.
Make sure you buy the appropriate level of coverage for your bike by having a reasonably accurate idea of its market value. There is no benefit in insuring your bike for a higher value than it is worth, and you may end up paying inflated premiums if you over-insure in this way. Make sure you tell your independent insurance agent exactly how much your bike is worth so that you get the appropriate level of cover.
The amount that you pay to insure your motorcycle should reflect the number of miles that you ride each year. If you only use your bike for occasional rides in the summer, you should be classed as a low-mileage user and charged a lower rate for your motorcycle insurance than someone who uses the bike every day. Try to calculate a reasonably accurate estimate of your mileage for your independent insurance agent, so that he or she can get you the best and cheapest insurance for your circumstances.
Consider taking additional courses to improve your motorcycle safety standards. Gaining additional motorcycle qualifications on top of the standard license can help convince an insurance company that you are a safe rider who has a low risk of being involved in an accident. Keep all your certificates in a safe place, so you can prove your qualifications to your insurer if necessary.
Motorcycle insurance is a necessity if you want to enjoy the open road this summer, but you shouldn't pay more than you need to for this essential coverage. Call Low Rate Insurance Agency at 817-635-0375 for more information about Arlington Motorcycle Insurance this summer.