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Proper Motorcycle Insurance

Proper Motorcycle Insurance Is Very Important

If you ride a motorcycle, choosing the right motorcycle insurance is one of the most important decisions that you’ll have to make. Here are some reasons why:

It’s Mandatory in Most States

Currently, motorcyclists are required to have insurance in 48 out of 50 states. Only Florida and Washington have no insurance requirements for motorcycles. Even if you live in these states, obtaining insurance is highly recommended.

Causing an Accident Can Result in Huge Liability Issues

In most accidents involving a car and a motorcycle, the motorcycle its riders usually suffer the most damage. This doesn’t mean that you can’t cause serious damage with your motorcycle. If you hit a pedestrian and are found to be at fault for the accident, you may end up being responsible for medical bills, as well as compensation for pain and suffering. This is why car insurance experts recommend picking a motorcycle insurance policy that provides liability coverage that is a lot greater than the minimum amounts required in your state.

Motorcycle Insurance Can Help If You’re Injured in an Accident

Even though some motorcyclists think that their health insurance will be enough to cover the bills should they be injured in an accident they’ve caused or if the other party is uninsured or did a hit and run, this isn’t always the case.

One unfortunate reality for motorcyclists is that they’re more likely to suffer far more serious injuries in an accident when compared to car drivers. Even if you have a health insurance plan, it may not cover all of the medical expenses resulting from a serious motorcycle crash, especially if you remain hospitalized for a long time or require extensive specialized care. Most motorcycle insurance providers let you purchase medical payments coverage, which will help with medical bills in this scenario. In some states, insurers can offer personal injury protection (PIP) coverage. This form of coverage will not only pay for medical expenses, but will also cover loss of income, regardless of who is at fault for the accident with motorcycle insurance https://www.youi.com.au/motorcycle-insurance.

Damage to Motorcycles in Accidents Is Often Serious

In the event of a traffic accident, your bike is likely to suffer at least some damage. Even collisions happening at relatively low speeds that would have resulted in minor damage to a car could total a motorcycle. Single vehicle accidents, in which the motorcycle collides with the roadway after the rider loses control and falls off, or hits a fixed object, account for nearly 25% of all motorcycle accidents. They also have the potential of causing major damage to a bike.

With motorcycle insurance that includes collision coverage, any needed repairs to your vehicle will be covered in such cases, even if you were at fault.

Motorcycle Thefts Are on the Rise

Comprehensive motorcycle insurance covers not only collisions, but also fire and theft. According to the National Insurance Crime Bureau (NICB), there have been 45,555 motorcycles reported stolen nationwide in 2015, a 6% increase from 2014. Newer Honda, Yamaha and Suzuki motorcycles are particularly targeted by thieves.

Motorcycle theft is a concern in some large cities, with New York City, Las Vegas and San Francisco experiencing the most thefts according to the latest NICB report. However, it can happen in smaller towns and rural areas as well. If you’ve spent a lot of money on your motorcycle, purchasing motorcycle insurance that covers theft is a good way to protect your investment.

Best Car Insurance Quotes Possible

Best Car Insurance Quotes Possible

If you are like most drivers, your primary goal when shopping for new car insurance quotes may be to get the best rate possible. After all, your premium may be one of your most costly expenses other than your rent or mortgage payment. While rates for car insurance quotes can vary by provider and shopping around can identify savings, there are other factors that affect your rate as well. When you want to get the lowest rates possible on your car insurance quotes, you can easily take these steps to maximum your monthly savings.

Keep Your Credit Rating As High As Possible
Many drivers do not realize that their credit has any influence on their car insurance quotes, but the reality is that this factor plays a considerable role in your quotes. Those with higher credit scores qualify for the best rates on auto insurance while those with lower scores may have to pay two or even three times as much for their car insurance policies. Review your credit report today to ensure that all information being reported on it is accurate. Fix any errors that you find. Then, take steps to pay your bills on time and to reduce debt balances. This effort can result in a higher credit rating in the future.

Pick an Affordable Car to Drive
The vehicle you choose to drive affects your car insurance quotes in several ways. For example, the horsepower of the engine may make a car riskier to drive and more expensive to insure. In addition, the repair and replacement costs for vehicles varies significantly, and insurers will review this information carefully before issuing a rate. When the time comes to purchase a new vehicle, get insurance quotes for several of your top picks before you finalize your buying plans fro car insurance quote www.youi.com.au/car-insurance.

Choose an Affordable Place to Live
You may not realize it, but the zip code of your residence also affects your car insurance quotes. For example, crime rates for property theft and vandalism may be reviewed as well as accident statistics for that zip code. Some drivers have saved a bundle on car insurance by moving a few miles away to a zip code where insurance rates are more affordable. Your home address will also affect your total mileage driven each year, and this can directly impact rates as well. While you may want to focus on finding an affordable zip code to live in, you also want to find a zip code that is located relatively close to your work location.

Finding affordable car insurance quotes may seem elusive to some people, and this is especially true if a combination of these three factors are playing a role in your insurance rates. If your current quotes are too high for your budget, consider making changes in one or more of these areas for savings. In addition, as you move forward, keep these factors in the back of your mind when choosing a car to drive, a place to live and so forth.

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