Auto Insurance Coverage

Auto Insurance CoverageThe question is – How much auto insurance coverage should I buy?

Well, the generic answer is: Buy as much as you can afford. But that’s not really helpful. That’s like a stockbroker telling you to buy low, sell high. Really, Auto Insurance coverage is a bundle of several different types of insurance. What you need to determine is – What are your needs?

Types of Auto Insurance Coverage

Well, we learned that BI (Bodily Injury) Auto Insurance covers the liability if you hit somebody else – what you would pay to them and how much insurance you have, to cover you for that loss. We’ve learned that UM (Uninsured Motors) covers injury that will be paid to you if you were hit by someone who doesn’t have enough auto insurance coverage. That means that they are Uninsured or Under-Insured. We also learned about PIP (Personal Injury Protection). That means, insurance you purchased to cover your medical payments.

State Limitations And Auto Insurance Coverage

The first thing you should do is determine – What are the limits which are required by your state? Each state has certain minimum requirements that you must have. Certain states require you to have PIP (Personal Injury Protection). That means you are required, to be a driver in that state, to hold that type of insurance. Others require you to have a certain minimum level of BI.

Not Just the Minimum Requirement

Now, when you purchase auto insurance coverage, you need to look past the minimums. Determine what assets you have. What are your needs? What medical insurance do you have and what might be your needs in the future?

Auto Insurance Coverage Considerations

Usually, you want to look at the following criteria:

1. The more assets you have, the more BI (Bodily insurance) you should purchase. If you have a state which has a lot of uninsured or under-insured motorists, you want to purchase UM. Remember that UM, under-insurance or uninsured motorists, protects you if you are hit by another driver and they don’t have enough auto insurance coverage.

2. Another thing you want to look at is your PIP. Most PIP (Personal Injury Protection) will pay 80% of the first $10,000. Many PIP Policies also offer deductibles. That means you’ve got to pay the first $2,000 out of pocket of your medical expenses.

3. Look at your PIP policy. You might want to augment that with some Med Pay or additional PIP coverage’s.

4. Also, on your UM. Since you are covering your person, get it to the highest levels that you can afford.

5. Other types of auto insurance coverage you might want to look at are your collision. What do you want to pay if your car is damaged or other personal property – that means the vehicle is damaged? If you’ve got a car that’s not worth a lot, you might want to consider waiving or not insuring your car for collision.

All of these decisions are personal and they cannot be made across the board. Sit down with your agent and discuss your personal needs. Remember, the most important thing you are to ensure is your person and your family. Therefore, focus on: UM, PIP, and Med Pay. Those are the types of things your agent will tell you which will cover you and your family if they are involved in an accident and are injured.


How to Choose the Best Motorcycle Insurance

Motorcycle InsurancePeople who own and use motorcycles should never take the risk of not having enough insurance coverage to protect them and other riders. Comprehensive motorcycle insurance, third party property damage insurance and veteran, vintage and classic vehicle insurance are the types of insurance from which you have to choose.

Comprehensive motorcycle insurance provides you with complete insurance coverage, which includes providing your bike with complete cover and providing for damages you may cause to someone’s property with your bike. This type of coverage works well for scooters, too.

Third party property damage motorcycle insurance is a type of insurance that will cover someone else’s property and their vehicle, but it will not provide protection for your own bike.

Veteran, vintage and classic vehicle insurance is a type for those bikes over 15 years of age that are not driven as much because they are used for a hobby or recreational use only.

In addition to these types of insurance for your motorcycle, you also need to have third party insurance, which provides protection for those you injury while on your motorcycle. If you would like to register your motorcycle for the ACT, this type of insurance is mandatory.

Coverage Under Motorcycle Insurance:

Most people will need to have comprehensive motorcycle insurance. There are a number of different amounts of coverage you can purchase, based on the budget you have and the amount of protection you want to have for your bike.

The insurance company will probably cover costs associated with an accident with this type of insurance, including getting the vehicle fixed or replacing the vehicle, or providing you a payout at market value of the motorcycle or a price that you agree on. It will likely cover the costs of fire, repairing or replacing of locks, and it provides a policy that protects others. This liability coverage which is part of the comprehensive package will include a large cover for you for those that you may hurt while on your motorcycle, including legal costs, payout for damages, damage caused by any passenger you may have or will provide cover for your employer if you are using your motorcycle for business.

The comprehensive plan will provide your motorcycle with coverage from storms, thefts, replacement when the vehicle is a total loss, and towing. Mechanical failures won’t be covered by most insurance policies, and you won’t be covered if you take your motorcycle outside of the country.

In addition to this, any individual operating a motorcycle in Australia will require third party insurance, or TPI. This is the type of insurance that protects you when you are the cause of an accident and when other road users make personal injury claims against you.

Questions for Your Provider:

If you have particular needs, talk to your insurance company. Policies should include liability protection, but even a comprehensive package may not be enough. Putting together a thorough package that includes comprehensive insurance as well as third party insurance is a must for most insurance companies. Ask your provider:

How to make claims:

What is covered and what is not covered (be sure to be specific here) What happens to your policy and premium payments when you have an accident and make a claim (does the rate go up) Are there any discounts for coupling your motorcycle insurance with other types?

Ways to Save on Motorcycle Insurance:

Get the right package of insurance for you. If you do not drive your motorcycle often, it may qualify for the lower costing Vintage insurance. If you use your motorcycle for business, be sure to let the provider know about this ahead of time.

The most important way to get a lower price on your insurance for your motorcycle is to take advantage of comparison shopping. Talk to several insurance companies to find out what they can provide to you. In many situations, you will find discounts for additional policies, too. Insuring your vehicle with your motorcycle can lower the rate you pay in total.

Beware Before Signing:

Read through your motorcycle insurance policy thoroughly. The policy will have a specific page that lists all items that are covered and are not covered. Be sure you understand what is not covered and get an explanation of any of these. Ultimately, that will define whether you should sign or not. Be sure that you have a full understanding of your policy!

Additional Coverage to Consider:

In addition to comprehensive motorcycle insurance, make sure you also have third party property damage motorcycle insurance. Consider the benefits of adding any add-ons to your policy should they fit(such as roadside assistance.) Also, look to what the lender will provide you including discounts, rewards, hire car, and after accident care, which may be add-ons in some situations. Some will provide you with lifetime guarantees on repairs as well.

Insurance Compared is the premier resource for explanations and information on most motorcycle insurance available today. Insurance Compared is working to make motorcycle insurance understandable and to educate consumers so they can find the right insurance (and nothing more).


Find The Best Auto Accident Attorney

Auto Accident AttorneyTo find the best auto accident attorney, you need to find a lawyer who has legal experience and expertise in car accidents, to help solve complicated legal problems. These lawyers also helps you to defend yourself if you were accused of an accident that was not your fault. Even your auto insurance company could trouble you in paying your compensation. If you don’t know insurance law, you are probably going to end up with much lesser than you are legally entitled to as an injured insured victim.

A car accident can take place as a result of any party’s fault. If you didn’t consult your automobile lawyer, it is likely that you will become the victim of all the legal faults in the court. Without a qualified lawyer on your side, you may not be able to stop yourself from being severely penalized. The best legal representative helps to settle the case in your favor.

When you have a truck accident, it is important to know how to choose a truck accident attorney. Different results can affect your case based on your choice of legal representative. So while choosing the best auto lawyer, you need to spend some time researching to find one who will be the best representative for your claim.

Once you have made a list of attorneys with experience in auto accidents claims, you should find out their track record of success in handling cases like yours. A strong track record speaks of expertise and experience in handling accident claims.

Following are few things you should or shouldn’t do in choosing the best auto attorney

  • To get the deserving compensation, choose an auto accident lawyer who is capable of negotiating with your insurance company or defendant’s insurance company.
  • Find the best auto injury lawyer with a past record in dealing similar car mishap claims.
  • Always make sure that your selected lawyer is a licensed member of the local state bar association.
  • Always ask the lawyer how he wants to be compensated for his services. Is he going to charge a contingency fee (no upfront fees, their compensation would be a percentage of your settlement) or on an hourly basis?
  • Finally, you should only trust and believe in your instincts to hire the best auto accident attorney despite the above mentioned points like track records, referrals and certifications.

Handling Things You Don’t Have Control Over with a Living Trust Attorney

Living Trust AttorneyIt all begins with planning. You graduate school with a plan for college. You graduate college with a plan for professional life. You earn your rightful position in a company with even further plans for your life in general. Human’s life is constituted by plans they make. As you get older day by day, plan-making becomes even more crucial part of your life. Sickness may befall you and when that happens, you have to still think about your family because in the worst case scenario, you might be leaving them behind. Well, it does not have to come to that. Even when you are simply being sick, things may fall apart. Who will take care of the bills? Who can make sure the course of treatment and the perfect doctor to handle your health problems? Can your spouse have access to your 401k? Things like this are likely to cause nagging issues in the future. Therefore it is only logical that you arrange everything and set things in order before it is too late and the worst case scenario really manifests itself. And Sharon Ravenscroft is the most trustworthy living trust attorney surprise az who will work for your best interest if, of course, you are living in Surprise, Arizona.

The problem with things like living will, living trust, or estate planning extends beyond possible abandonment of family members. It was once true that making a will or trust simply correlates with leaving substantial amount of assets for the remaining members of family to survive on. Today, with widespread frauds and privacy breach, people are more careful when it comes to protecting their assets. Thus protection is put in place to ward off any wrongdoings. However, as such protection pays no regards as to whom the defense is placed against, it is possible that your family member may find difficulty in accessing your asset. Oftentimes, the case is settled within the court walls and dealing with the court is something unpleasantly annoying enough that your family also needs to face the fact that the worst scenario is happening to you. You left them alone, without means to survive your absence and they have to go to the court just to be able to move on. By working with Sharon Ravenscroft as the best living trust attorney surprise az you can get, all this unnecessary hassle can be avoided.

Through a meticulous process of estate planning, you can assign a name of a person in family members as the sole person to access your assets. This person can act in your place to take care all the things you can no longer handle. However, there is another underlying issue with estate planning. Documents are sure to be made to ensure easiness in accessing the assets. But documents are just pieces of paper if one cannot understand the correct way to use them. This is where the service that Sharon Ravenscroft excels. She not only prepares papers and documents for you but also educates you in everything about law regarding this matter thoroughly. She encourages her clients to ask as many questions as they can because one can only be granted so much legal power but without proper conducts, everything will be ruined and one can be trapped in confusion. This personal approach that Sharon Ravenscroft practices gives a client a chance to further understand that this is more than just about getting a client’s estate access to assets. This is about avoiding possible hindrance in doing so. In her blog, you can see that she extensively discuss about things regarding this matter, including how to pick the right person to become your trustee.


Explore How Motorcycle Insurance Protects You and Your Bike

Motorcycle insurance offers protection against for bikers that are traveling on the highway. It provides compensation for medical cost and motorbike damage cost. If you own an expensive motorcycle, it is important to purchase insurance to protect it from the theft. Most motorcycle insurance policies offer coverage of up to $1,000 for after market upgrades. It is up to you purchase more insurance for your motorcycle. You can buy up to $30,000 of insurance coverage for your motorcycle. Many insurance companies forgive the first occurrence of accident that happens within the last 2 years. However, you cannot have a history of serious traffic violations.

If your motorcycle breaks down on the highway, you will need a tow truck to tow it away. The motorcycle insurance will pay for the towing cost so that you don’t have to spend any money out of your pocket to hire a tow truck. You just have to call the claims hotline telephone number and report where your motorcycle sis located. Once the insurance company receives your report, a tow truck will be sent to the location.

If your motorcycle is stolen and you haven’t finish paying the monthly installments, your insurance company will pay them. The insurance company will pay the difference between the original amount and amount you have paid. To qualify for this kind of coverage, your motorcycle insurance policy must include comprehensive coverage and collision coverage. Comprehensive motorcycle coverage offers compensation for the non collision damages. Normally, comprehensive coverage protects the damage caused by natural disasters, theft and etc Collision coverage protects your motorcycle from collision that is caused by collision with another motorcycle or vehicle. Some insurance companies offer rental reimbursement for policy buyers whose motorcycles are stolen. You can use the rental reimbursement to rent a motorbike and use it temporarily to go to work.

Most states require bikers to have motorcycle liability insurance. Your motorcycle liability insurance must meet the minimum requirements of the department of motor vehicles. Liability insurance protects you from the high cost that is derived from the bodily injury and property damage of the third parties. Besides purchasing the liability insurance, you should include other types of coverage in your insurance policy. Some of the coverage you can consider including in your insurance policy are parts and equipment’s coverage, and uninsured coverage. Parts and equipment coverage will pay out reimbursement if the certain part of your motorcycle is damaged. Buying replacement parts can be expensive, especially if your motorcycle is branded. With parts and equipment coverage, you don’t have to bear the high cost of buying new replacement parts.

If you want to shop for motorcycle insurance, make sure you perform quotes comparison by using the insurance quote comparison. To make sure you get the most accurate quote, you must provide valid information about your employment, income, motorcycle information. You will be able to perform shopping comparison by providing details about the model, and manufacturing year of the motorcycle.


Things to Know When Choosing for Motorcycle Insurance Quotes

What you should know about shopping for motorcycle insurance including how to find the lowest quotes. How insurance companies rate motorcycle insurance and more.

  1. How do insurance companies rate motorcycle insurance?
  2. Do I have to have a motorcycle license to get insurance?
  3. Why is full coverage so much more than liability insurance on my bike?
  4. Are there benefits in using an agency to quote my motorcycle insurance?
  5. How can I find the lowest rate insurance quotes?

1. How do insurance companies rate motorcycle insurance? Insurance companies rate bikers insurance much like auto insurance with a few differences. Here’s a list of the main rating factors used to determine your rates….

  • Zip code – Areas with a greater history of losses rate higher
  • Date of birth – Wisdom and safety come with age
  • Driving experience – More experience equals lower rates
  • Marital Status – Married riders enjoy a little lower rates
  • Violation history – More violations, more premium
  • Coverages requested – Better coverages, higher premiums
  • Motorcycle Value – Only when purchasing full coverage
  • CC Size – Size matters, bigger engines pay more
  • Cycle endorsement date – the date you got a motorcycle license
  • Discounts & other rating factors – ask your company for details

2. Do I have to have a motorcycle license to purchase insurance? You don’t have to obtain a motorcycle license to purchase riders insurance, however, having a motorcycle license does have a bearing on your rates. Having a class M license shows the insurance company that you are an experienced rider and less likely to be involved in an accident. The longer you’ve had your motorcycle license, the lower the rates. There are many companies available for you to purchase motorcycle insurance from even if you don’t have a license but be prepared to pay a higher rate than those with a license.

3. Why is full coverage so much more than liability insurance on my bike? The reason why full coverage insurance on a motorcycle is so much higher than liability is simply because of the risk involved. Remember, liability insurance covers others, what you’re liable for, and not your bike itself and full coverage covers your bike as well as liability. If you hit someone with your motorcycle, your insurance company has to pay for damages you caused to others and their property. How much damage can you really cause with a motorcycle? That’s why liability motorcycle insurance is usually so inexpensive. The damage you can cause with your bike reflects the rates you pay on liability. Now, it’s a whole another story when it comes to full coverage. Almost any kind of accident will cause extensive damage to your bike that would have to be paid for resulting in much higher rates. Get quotes on both and compare your options before making a decision.

4. Are there benefits in using an agency to quote my motorcycle insurance? There are great benefits in using an agency. Agencies usually work with multiple carriers that have different guidelines, prefer different kinds of risks, offer different discounts and more. Agencies can enter your information in a comparative rater and instantly see the rates of all the companies they have to offer you. Agencies will usually do all they can, including but not limited to, offering all discounts available to help you find low cost motorcycle insurance.

5. How can I find the lowest motorcycle quotes? When shopping for any kind of insurance quotes, you want to do your best in providing the most accurate information. The reason why you want to do this is because a company quoting you the lowest rates with let’s say no tickets will not usually be the cheapest if you happen to have a ticket. Every company has their way of rating so when you are comparison shopping for your motorcycle insurance, provide accurate information, especially with past tickets to ensure you’re comparing accurate rates. Also, take the time to quote from at least 3 different companies to understand the range of prices you should be paying. Lastly, make sure to get a quote from at least 1 agency as an agency instantly quotes multiple companies so 1 call gets you the lowest of many quotes. Insurance agents can usually also offer discounts and advise to find you the Lowest Motorcycle Insurance Quotes.


Motorcycle Accidents Checklist

Accidents do happen and these are unfortunate occurrences in our daily life. With so many motorcyclists on the road, it is no surprise that there are more cases of accidents involving motorcycles.

If you are involved in a motorcycle accident, it is important that you know what to do. If you are injured, you should know that you may be entitled to some form of compensation. You need to know that time is of the essence when you want to make a claim after the accident. Most of all, you should remember important steps to help you get compensation that may be due to you.

First, you should seek medical attention. Even if you are not sure if you are hurt, it is an advantage to do so because commonly, many injuries present themselves days or weeks after the accident. If you end up filing any claims later, your medical records will prove to be critical pieces of evidence.

If the police arrive, coordinate with them to file a police report or incident report of the accident. Try to recall all the details of the accident such as the location, time, date, the type of weather and the road conditions. You do not have to make a statement as to who is at fault.

Try to gather witnesses to support your claim, and do your best to get important details such as their names and addresses.

Next, make a detailed list of what was damaged on your part such as the extent of damage of your motorcycle, the severity of your injuries, damaged clothing and other personal effects.

You should also refrain from doing certain things that could negatively affect your claim. Avoid making statements about the accident regardless of who is at fault. Don’t discuss anything with insurance adjusters because doing so may affect your claim negatively. Don’t repair your motorcycle immediately after the accident; its damaged condition is your evidence in your claim. Lastly, never settle a claim on your own because there a lot of legalities that you may not be aware of, thus, the insurance company may take advantage of this.

After gathering all the important evidence and other paperwork, you should seek good legal advice from an expert motorcycle lawyer who specializes in motorcycle accidents like a personal injury lawyer. You can ask from your family or friends if they can recommend one. If not, you can always check online for a reliable personal injury lawyer. Choose one that can help you and represent your case convincingly.

A good lawyer should be available to discuss the details of your case with you, and answer your questions. It is advantageous to have a knowledgeable and skilled lawyer to come up with a good and fair fight. Your lawyer would be the one to correctly negotiate for your claim, protect your rights and seek the most reasonable compensation for you.

Clearly, you don’t want to get involved in a motorcycle accident or in any other type of accident for that matter. But in the event that you do, it pays to know that you are equipped with the knowledge of knowing what to do if the situation calls for it.


Find the Best Motorcycle Lawyers

Motorcycle accidents are, unfortunately, all too frequent. Motorcycle accident numbers have been rising for many years, as more and more people are enjoying the freedom of riding a motorcycle and the cost savings that can be realized by riding a motorcycle instead of driving a car. More motorcycles on the road mean that there are an increasing number of accidents involving motorcycles. These lawyers are legal experts familiar with the legalities surrounding the law.

Due to the fact that there is less protection around you, your chances of being seriously injured in a motorcycle accident are greater than if you are involved in a motor vehicle accident. Motorcycle accidents can result in severe injuries, including traumatic brain injuries, broken bones, spinal cord injuries and damage to tissues and organs that occur as a result of contact with road surfaces. These types of injuries often mean time lost from work, loss of your bike, insurance and medical expenses. An experienced motorcycle lawyer can help you navigate complicated legal, medical and insurance issues.

Many people have an outdated and prejudiced view of vehicle and those who ride them. For this reason, it may be especially important to contact a motorcycle lawyer, who can protect your legal rights in the event of any criminal proceedings or litigation that arise as the result of a vehicle injury.

It is important to know the laws governing motorcycles in your state. Each state may have unique laws surrounding the use of vehicle. The law can be complicated, therefore having someone in your corner who understands the subtleties and nuances of these laws is important, especially if you have been injured as the result of a motorcycle accident.

In many, if not most cases, vehicle accidents arise from the negligence of others. A common cause of motorcycle accidents is the violation of right-of-way by another motor vehicle. This commonly occurs at intersections when a motor vehicle making a left hand turn fails to notice a motorcyclist proceeding through the intersection and cuts them off. Such incidents can result in severe injury. Even accidents occurring at low speeds may cause devastating injuries. In other instances, motor vehicles follow too closely, resulting in a collision when fast braking is required. Whatever the cause of the accident, motorcycle lawyers can protect your legal rights.


Motorcycle Accident Lawyers Help You Understand Your Rights

Legal representation from a motorcycle lawyer is necessary if you have been injured in an accident for one reason: protecting your rights under the law. Although the Colorado Motor Vehicle Code is easily accessible online and through public libraries, it is not specific when it comes to liability in accident cases. It only puts forth the actual rules and regulations that govern the operation of these vehicles on Colorado public roads and highways. However, these laws can help motorcycle lawyers in determining and assigning liability if one or both parties were operating their vehicles in violation of the code. This violation can be determined to be a contributing factor by a competent lawyer.

There is another reason to retain a motorcycle accident law firm. That is to protect your rights with the liable party’s insurer. If you are injured in a motorcycle accident, it is very likely that an insurance adjuster will be paying you a visit even when you are in the emergency room waiting for treatment and attempt to have you sign a form.

You are under no legal obligation to say anything or sign anything without having your own motorcycle lawyer examine it beforehand. If you do sign, you may be signing away any rights you have to compensation. This is what too many insurance companies do, they attempt to deny liability and leave you, the victim, with as small of a settlement as possible.

This issue aside, it’s enough of a challenge to get a fair settlement if only because of popular prejudice; motorcyclists are often (and unjustifiably) seen as careless and even reckless. (On the other hand, statistics from the National Highway Safety Administration tell a different story; motorcycle accidents that involve an automobile are usually the fault of the latter).

Call a Motorcycle Law Firm First

It cannot be overemphasized; do not sign anything before you speak with a qualified motorcycle lawyer. At the scene, do not admit fault and do not say anything to anyone except to the law enforcement officer at the scene. Even then, do not volunteer any information. Answer the officer’s questions as accurately as you can, but go no further.Once you are sufficiently recovered, work with a qualified personal injury firm to represent your legal rights.


Choosing the Best Motorcycle Insurance Policy Guide

Choosing the right motorcycle insurance is an important consideration for many motorcycle owners. This insurance can pay for medical bills resulting from motorcycle accidents, as well as for motorcycle repair costs. And motorcycle insurance can also cover any outstanding loans on the bike. In fact, if you apply for a motorcycle purchase loan, most lenders will require you to obtain insurance as part of the loan application process.

Motorcycle insurance can be expensive, but there are several things you can do to make sure that you get the best possible rate. First of all, decide the total dollar amount of coverage that you will need, as well as the deductible amount. Usually you will want to get coverage that includes yourself or another driver, passengers, custom equipment, collisions, uninsured motorists, and medical payments.

Your state may have minimum limits that you must meet, so be sure to be aware of those before you start pricing policies. And then get quotes from several different insurance providers so that you can do a price comparison and select the cheapest policy. You can do this by talking with your insurance agent, or by doing an online search for motorcycle insurance quotes.

Always make sure that you are comparing policies with the same amount of coverage and deductible values. Remember that a deductible is the amount you yourself will have to pay for each claim that you file before the insurance will pay anything. The higher the deductible, the cheaper the policy, but you must always be sure that the deductible is not so high that you wouldn’t be able to pay it if you had an accident.

And when you are applying for motorcycle insurance, it is very important that you are honest when you answer the questions on the application form. A few things that come into consideration when you are applying for motorcycle insurance are your age, riding experience, driving record, and details about your bike, such as value, power, age of bike, and any special modifications. If you do not tell the truth about these items you may find later that the insurance company will not make any payments on your claims, leaving you to pay all medical and repair costs yourself.

Another tip to save money on your motorcycle insurance policy is to bundle it with other insurance that you already have. For example, if you currently have insurance on your home or other vehicles, that particular company will likely offer you a significant discount on insurance coverage for your motorcycle.

It is also a good idea to take a motorcycle safety course. This will help you earn a discount on your motorcycle insurance because motorcycle companies feel an educated and trained rider who understands safety issues is less likely to make common mistakes or to indulge in reckless behaviors.

Also most insurance companies will give you additional discounts if you are able to store your motorcycle being in a secure location like a garage or shed that reduces the chances of it getting hit, vandalized, stolen, or damaged by the natural elements. Even if you don’t have a building to store your bike in, you may be able to save money if it is parked in an area that is covered by a surveillance system.

Fitting your bike with high-end anti-theft accessories like disc locks, alarms, and satellite tracking is another way to save money on your motorcycle insurance costs. However, these devices themselves can cost several hundred dollars, so always check with your insurance company before purchasing them to make sure that the savings you will see in your insurance premiums will be worth the extra expense.

In addition, many insurance companies will give you an added discount if you won’t be riding your motorcycle during severe winter months when there is a higher chance of accidents due to poor road conditions. This is a great money-saving option for riders who live in the northern US. However, if you opt for this coverage, keep in mind that you won’t be able to take your bike out for a ride when a warm spell appears for a few days during the winter months.

Finally, keeping a clean driving record both in your motor vehicles and on your motorcycle will save you a great deal of money on your motorcycle insurance. Insurance companies love to reward those who have remained a low risk. They also want to keep your business. If you have paid your premiums on time for six months and have not have any claims or moving violations, then contact your insurance company and ask for them to review your policy for a lower price. Many insurance companies will automatically do this upon renewal of your policy, but if you have an annual policy then you should contact them after six months.



Get Your Best Auto Insurance Policy

You just have bought a car and you are wondering – what insurance premium can I expect for my vehicle? One fixed answer perfect for everyone doesn’t exist here. We are all different, so different will be our best individual auto insurance policies.

Getting your best auto insurance policy is a two-phase selection process:

  1. Deciding on what insurance provisions you really need.
  2. Choosing your auto insurance provider.

Phase 1 – Make You Decision on What Auto Insurance Provisions You Really Need.

· Road-side Assistance

If your car is not a new one you might find this feature very attractive as it could save you some money and a lot of nerves if your car gets broken in the middle of the road.

· Accident Forgiveness

Some insurance carriers offer accident forgiveness to its drivers. This valuable feature would protect your insurance rate from increase after your car gets involved into a traffic accident even if the accident was at your fault.

· Collision Coverage

With Collision Coverage your Insurance Company will pay even if the accident happened at your fault. Make sure that coverage is sufficient in funds, if not – you will be liable to pay the rest.

· Uninsured/Underinsured Motorist Coverage

With this feature in policy your Insurance Company will pay for injuries to you and all your passengers in the case of any traffic accident which happened at other motorist fault and that motorist had no insurance at all or had insufficient insurance.

· Deductible

Deductible is the amount of money you agree to pay from your pocket in the case of a traffic accident; the rest will be paid by your Insurance Company. Higher deductible always translates to lower insurance rates. However don’t over-indulge on this feature – it is you who will be requested to pay that money if anything happens.

· Medical Coverage

This feature defines how much money you will get in the case of your auto accident-related injury.

· Comprehensive Coverage

With this feature in policy your insurance company pays a damage repair to your car for the reasons other than a collision. This includes windstorm, hurricane, fire, theft, vandalism etc. This type of coverage is often required if you lease or use multi-year financing for your car, but it would also be very valuable for every driver who wants to get fully protected.

Phase 2 – Choose your auto insurance provider.

· Get a second opinion – use the word-of-mouth approach – ask colleagues, neighbors or friends, visit web forums or any other available channels to get an initial list of insurance provider candidates.

· Narrow it down to 5-10 short-listed insurance companies which you believe will meet your needs well.

· Visit your state’s “Department of Insurance” web site. Yes, many of us don’t know that fact, but every State has “Department of Insurance” which keeps track of insurance providers under state’s jurisdiction. Check consumer complaint ratio for each company in your short-listed companies list and narrow it down to 3-5 best candidates.

· Get your preliminary quotes for each insurance company in your short list.

To simplify this step use Get Instant Quote resources available for free in the Internet.

· Choose the final company with the best insurance policy for you and your vehicle.


With the detailed selection check list provided above getting the auto insurance policy which would be right for you becomes a relatively easy task.

Using the knowledge about insurance policies and their features covering you and your vehicle you will always be able to get the right decision. Protect yourself on the road and save your money in the case of auto accident by purchasing the right car insurance for you and your family.