Motorcycle Insurance

Get A Quote On Motorcycle Insurance In Highland Michigan From Schoen Insurance Agency Inc

 

 

 

Motorcycles have a higher rate of fatal accidents than automobiles. Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters. Collision and comprehensive cycle coverage can be costly. It is understandable that getting the best motorcycle insurance policy you deserve may not always seem as easy as it sounds. Even so, you can do something about it if you plan ahead before you buy and shop around. Tasks include assessing your needs and choosing the right deductible to fit your budget. Taking advantage of discounts also will help you to make the right decision when you compare motorcycle insurance.

Assess your needs before you shop. If you have an older bike, you need an insurance company that insures older bikes. Additionally, some customized bikes are off limits for some insurance companies, while others specialize in those styles. Write down your bike make, model, age, and style type and determine the value of your bike prior to seeking insurance.

Compare three policies from three different cycle insurance carriers. Setting a limitation to the amount of policies you review helps you identify the exceptional policy from the norm. You will get a feel for the types of cycle policies that are available so you can choose the best out of three options. If you do not find what you need, research another set of three policies from different cycle insurance carriers.

Select one or more deductibles. Compare insurance rates based on the same deductible amount. This is the easiest and most fair way to compare cycle rates. Typical collision deductibles range from $250 up to $1,000. Comprehensive rates vary from $100 to $500, however, they may be higher.

Look for insurance that gives discounts for your efforts, past and present. For example, if you use an anti-theft device or place your bike in the garage when it is not in use, ask for a discount. Attending a motorcycle safety course may also be worthy of a discount by some insurance companies. Tour bike and multi-bike discounts are also common as well as professional riding association discounts.

 

Check each policy for the Following Coverages: