When it comes to making sure that your home and family are safe and sound, few things are as important as choosing the right insurance plan. About six months ago, my home burned to the ground, and without the right insurance plan, we would have been toast financially. Fortunately, because we had prepared properly, we didn't have any problems when it came to making sure that we could rebuild our place. This website is here to help anyone who might be struggling with which insurance policy to choose. Check out this blog for great information on finding the perfect policy.
Driving a motorcycle can be dangerous, and as a result, riders often face relatively high insurance rates. Want to avoid high insurance rates? Want to lower your costs and save money on your motorcycle insurance? Then, keep these tips in mind.
1. Choose Your Motorcycle Carefully
The type of motorcycle you ride can have a direct effect on the cost of your insurance premiums. If you're in the market for a new bike, look for features you like, but also remember to do some research on how expensive various bikes are to insurance.
Motorcycles can fall into about 22 different groups, and the lower the group number, the cheaper the bike is to insure. Usually, the bikes in the lowest groups tend to be 125 cc or similar bikes that aren't that powerful.
If you want a full size bike, you may want to consider something like a Yamaha XJ6 or an Aprilia Pegaso Factory. Both fall into group nine, which makes them cheaper to insure than many other similar models in groups with higher numbers.
2. Comparison Shop
It's important to note that different insurance companies sort bikes into different groups. If you truly want to save, you need to set aside some time for comparison shopping and research. That way, you can truly ensure that you are getting the lowest possible insurance rates.
3. Join a Motorcycle Group
There are a number of different motorcycle groups throughout the country. Some such as the Honda Rider's Club of America or the Harley Owners Group appeal to riders who own specific brands of bikes. Others such as the Motorcycle Touring Association or the American Motorcycle Association are relatively general organizations.
Many of these groups have relationships with insurance companies that make it possible to get discounts. To save on your coverage, you may want to look at a few groups, find perks that appeal to you, and figure out if you can get a discount on your insurance by joining.
4. Enroll in an Education Class
Just as auto insurers offer discounts to people who have completed driving training classes, so too do many motorcycle insurers. To reap the benefits of these discounts, consider signing up for an educational class. That may be a safe driving class, a defensive driving class for people on motorcycles, or a similar type of course.
To ensure the class will be worth your while, you may want talk with various insurers about the potential for discounts. Remember, however, even if you don't get a discount by taking a particular class, if it keeps you safer on your bike, that gives the class value on its own.
5. Drive Safely
Once you have motorcycle insurance, focus on driving safely. If you get tickets for driving too fast or driving dangerously, that can increase the cost of your insurance. Additionally, when you drive unsafely, you become more likely to crash.
In addition to risking your health and safety, you also increase your chances of making an insurance claim. Most insurers raise your rates if you make a claim after an accident. On the other hand, if you can avoid accidents, many insurers offer you lower rates.
6. Work on Your Credit Score
Your credit score can also impact your insurance rates. If you have a higher credit score, you may enjoy lower insurance premiums. To safeguard your score, make sure to make loan repayments and credit card payments on time. To improve your score, pay down your debt. It can also help to pull your credit report on an annual basis so that you know what the insurance company is seeing.
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