Many people like the benefits that a motorcycle provides them in Bay City, Flint, Frankenmuth, Midland, Saginaw, and the surrounding areas, including much better gas mileage than even a small vehicle can get. However, it is just as important to have motorcycle insurance for your ride, and perhaps more important since you don’t have the metal cage surrounding you on the road. Call our team at R.A. Monk Insurance to have them work on your behalf to get the right motorcycle insurance for your needs.
Factors Impacting Your Motorcycle Insurance
What you end up paying for your motorcycle insurance has a number of factors, some of which you can control and others you cannot. Each insurance company will look at different things, but these are some of the most common factors, starting with your driving record as well as your age. A more careful driver with a better record will usually receive more favorable insurance rates.
The kind of motorcycle that you drive will also have an impact on what you pay. A sport bike will be different from a cruising bike, and a custom bike can be different as well. The age of the motorcycle can also have an impact on insurance premiums as well. Some may also look at the number of miles that you ride your bike each year, as well as where you store it.
There are some options available that can help to reduce your motorcycle insurance, and when you talk with your R.A. Monk Insurance agent they can tell you which insurance companies these can have an impact with. If you take a motorcycle training course, especially if you are under 25, it can have an impact on your rates. If you are a mature rider that can make a difference, as well as “lay up” options on your policy where you don’t ride in the winter months.
Know Your Motorcycle Insurance Coverage Basics
It is important that you understand your motorcycle insurance coverage so you aren’t left underinsured or worse. Liability insurance covers property damage and bodily injury that you cause to others in an accident. Collision insurance covers damage to your motorcycle in an accident, where comprehensive insurance covers damage to your motorcycle from other circumstances, such as theft or a fire. There are also other coverages that you can discuss with your R.A. Monk Insurance agent.
Where ever you live in Bay City, Flint, Frankenmuth, Midland, Saginaw, or the surrounding areas, it is important to have motorcycle insurance for your ride. Call us today to schedule a review of your insurance and see if we can’t get you better coverage for a better price.