Tips For Comparing Motorcycle Insurance Quotes

by Administrator 16. November 2017 13:13

We all want to get the best motorcycle insurance deals and for that it is imperative to compare the insurance quotes being offered. Be very clear in your mind about the type of coverage you are looking for.

There are three important factors to be considered when comparing motorcycle insurance quotes:

1. Insurance premium

2. Coverage offered

3. Terms of coverage

Types Of Motorcycle Insurance

Collision Insurance – This type of policy covers damages that arise due to collision only.

Comprehensive Insurance – It covers a wider gamut of issues like theft, unforeseen natural disasters, etc.

Uninsured Motorist Insurance-The policy covers the damage caused by collision with an uninsured motorist.

Custom Parts And Equipment Insurance-This type of insurance covers expensive accessories and equipment on your motorcycle but only up to the policy’s limit. It does not cover accessories and equipment’s which are factory fitted.

Bodily Injury And Property Damage Liability – In case you are at fault in an accident, this policy type covers the medical and property damage expenses to the third party.

Let’s take a look at some tips which will help in delving deeper into the comparison of motorcycle insurance quotes:

Coverage Levels

Make up your mind as to the coverage levels you are looking for. These levels will determine the maximum amount up to which the insurance companies will cover the loss. So when comparing the insurance quotes, compare insurance companies that have the same coverage levels. However you have to read the quote properly to know what the actual coverage is and the exact amount that’s being covered.

Discount

Call up the insurance agency to get all the information regarding the discounts they offer. This will help you gain an insight as what works the best for you.

Your Bikes Worth

 Know what your motorcycle is worth and it will be easier for you to compare the insurance quotes. The coverage you are seeking should be proportionate to what you think your motorcycle is worth. If you have customized it with expensive parts, you will want to get the accessories covered, which will have a bearing on the type of insurance you are in search for. The same rule applies to the age of your motorcycle. A newer bike is worth more coverage and higher premiums.

Compile Important Information

If you are keen on a competitive insurance rate, some details might prove beneficial. You must know the VIN of your bike, its title and registration details, the chronology of its riders till date, its history regarding previous claims, accidents etc. These and any other relevant details will put you on a better footing to get the best insurance deal for your bike.

For affordable motorcycle insurance, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 - 0535.


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