Riding a motorcycle can be very freeing. If you are interested in buying a bike in the near future, you may want to talk to an insurance agent to determine what your insurance rate would be for it. This will ensure that you can afford to insure the bike after you buy it. The following guide walks you through a few questions to ask when getting a quote for your bike.
Ask If the Company Offers Storage Insurance
If you live in a part of the country where there are seasons when you will not be able to ride your bike, it is best to choose an insurance company that allows you to pay for storage insurance coverage during the months that you cannot ride. The storage insurance will cost far less than the amount that you will pay for the policy during the months when you are riding. It is important to not ride your bike when it is only covered by storage insurance because the company will not cover damage that is done to the bike while it is being ridden.
Ask If the Company Offers Roadside Assistance
There are some insurance companies that offer customers the ability to pay an additional fee to have roadside assistance available with their policy. This can be a great way to ensure that you get the help that you need if you get a flat tire, run out of gas, or simply have your bike stop working properly while you are riding it.
Ask If They Offer Coverage for a Passenger
If you plan on purchasing a bike that you can ride with someone on the back of it, you need to be sure that you get coverage that covers any injuries that may occur to you or the passenger while you are on the bike. It is best to specify that you want a quote for a passenger when getting the quote, because the agent may assume you will always be riding alone.
Once you have the quote, you will be able to determine if the bike is worth getting or not. Most motorcycle insurance is not overly expensive, but you still want to make sure that you get the right coverage at the right price for you. If you already have an auto insurance policy with the company, you may be able to bundle them together to save even more money.
To learn more, talk to companies like Nelson Insurance Agency.