Spring is here – and for you, that means the bike is coming out of the garage. As the days get longer, and the sunshine more reliable, there’s nothing like the winding roads of the foothills, the small highways along the coast, or the country roads across the flats, enjoyed on two wheels with the wind in your face. You can’t wait to trade your stuffy car for the freedom of your motorcycle.
Yeah, you get a bit clunky after four, five months in a car seat instead of in the saddle, but after a couple of road trips, everything falls back into place.
You are a safe rider. You wear your helmet. Leather gear, even in 90 degree weather. You took your Motorcycle Safety course. Granted, that was a few years ago… Should probably renew that one.
Then, there is the insurance. That’s the one… Motorcycle insurance. Who has the money to buy insurance that isn’t even required by law? Who wants to buy insurance with any extra money?
If you own a Motorcycle, it’s important to have the right insurance. To protect yourself. So before you get ready to chase the wind, give us at Northwest Insurance Network a ring (312) 427-1777 . We can provide you with quotes, policy advice, and answers to questions like these:
You have your driver’s license, and just passed your motorcycle license. Finally! You are more than ready to ride with your buddies. Your uncle gave you his old bike, and in many, many hours, you fixed her up and restored her. Now it’s time to take her out.
This is it. It’s the bike of your dreams all right! A Harley Davidson Classic Road King. Black Pearl. Chrome details. 1,593cc. You’ve been waiting to get this bike for years… and now she’s about to become yours. You can’t wait to get on and scorch some asphalt.
You never thought much about insurance. In fact, you simply assumed that it’s a motorized vehicle, and therefore covered by your car insurance. Car insurance covers motorized vehicles. Or something… Whatever. It’s motorized, and so your car insurance should cover it. Right?
No! Wrong! Don’t make the mistake to assume that your car insurance will cover your motorcycle, or provide liability coverage if you hurt somebody or damage somebody’s property. Your car insurance will absolutely not extend to your motorcycle. Also, it will not apply for you, if you cause injury or damage while riding your motorcycle.
Your car insurance and your motorcycle are completely separate, and will absolutely not apply for each other.
You hadn’t planned on spending extra money on insurance, though. But now that you’re about to own this baby…. Well, it seems to make sense to protect her properly.
Then again, the odds that a biker is considered at fault in an accident are quite small. So why pay for liability insurance? What does a motorcycle insurance policy cover, anyways?
Congratulations on your new bike! You must be thrilled!
Motorcycle insurance is quite similar to an auto insurance policy. It includes various coverages:
Even though the odds of being at fault in a multi-vehicle accident are very low for motorcyclists, liability often doesn’t clearly lie with the other party, either. And even though bikers are often the victims when it comes to cycle – car collisions, it doesn’t mean that you don’t need liability insurance. What if you hit a bicyclist or a pedestrian? What if you accidentally scratch a car as you back out of your parking spot?
Motorcycle insurance will help protect you, your bike, as well as your assets in case you ever find yourself in a liability lawsuit. Northwest Insurance Network can help you protect almost any type of motorcycle, whether it’s a Dirt Bike or a Street Cruiser, a Vintage bike or a customized high-performance machine. Give us a call!
Now, you’ve heard that one can get money-saving discounts on auto insurance (hey, and you even qualify for some!) That makes you wonder… Shouldn’t you be able to get a discount on your motorcycle policy, as well?
Yes you should! And you can! Depending on the company, a variety of discounts are available:
Some companies might give you a discount if you store your bike in a garage or out of sight, or if you use chains or other Anti-Theft devices to lock it down.
Keep in mind that your insurance rates depend on your bike’s type and brand, its engine size, the level of customization, and the miles driven. A customized street race machine that you use to commute to work will bring you much higher insurance bills than a vintage cruiser that you only use every now and then. As you search for your perfect bike, keep these factors in mind to avoid unpleasant surprises.
Don’t hesitate to give us a call 1-877-267-8100 for more information, even before you purchase your bike.
Now that you’ve found the bike of your dreams, you got your wife hooked: She’d like to do her smaller, around-the-town errands on a little scooter, rather than in the car. Not only does it save gas, but it also gives her this lifestyle feeling as if she were living in a small town in Italy.
Well, you can’t blame her. You knew all along what riding on two wheels can do for your soul.
Question is, how do you insure the little scooter? Does it qualify as a motorcycle at all?
Yes it does! Mopeds and scooters (electric and gasoline-powered) can be insured on a Motorcycle policy. All the same discounts and options apply for big bikes as well as smaller mopeds and scooters.
ATV’s (and snowmobiles, too), on the other hand, take a special place. An ATV may be covered under your homeowner’s policy, but only if it’s driven exclusively on your own property. There is absolutely no coverage if you take the ATV off your property and drive it on public roads… even if it’s only across the street. If there is any chance at all that you might take your ATV to a dirt track, into the mountains, or elsewhere, you should get ATV (or Snowmobile) insurance.
We can help with any of it. Just give us a call (312) 427-1777 .
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