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Finding Enough Insurance Coverage

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.


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Finding Enough Insurance Coverage

Traditional Insurance Lay-Up Versus Pay Per Mile Motorcycle Insurance: Which Is Right For You?

by Jason Prescott

It is quite common for motorcycle owners to take advantage of traditional insurance lay-up coverage since many people only are able to safely and comfortably ride their motorcycles during specific seasons. For example, people who live in areas that experience harsh winters will often be unable to safely ride their motorcycles during the winter season. On the other hand, individuals who live in areas that experience extremely high temperatures in the summertime may actually find that winter is the best season to ride while the summer months require the use of an air-conditioned vehicle.

While an insurance lay-up may be the most traditional solution to address the need for some basic insurance coverage during the off-season, it is not the only solution available. Pay-per-mile motorcycle insurance policies are another great solution to the unique insurance needs of motorcycle owners. In fact, many people are now finding that pay-per-mile policies may actually be the most beneficial for their motorcycle insurance needs all year round. Read on to learn more about some of the key differences between traditional lay-up policies and pay-per-mile policies so that you can decide for yourself which option is right for you.

Lay-Up Policies Offer Reduced Coverage

Perhaps the most notable difference between a traditional lay-up policy and a pay-per-mile policy is the level of coverage that they offer. A traditional lay-up offers significantly reduced coverage options while your motorcycle is off the road for the season. While this coverage will allow you to keep your vehicle registration valid and provide some coverage in case of damage while your bike is in storage, this coverage will not be sufficient for you to be on the road. This means that you will not have the option of spontaneously deciding to go for a ride if you do get a nice day during the off-season. A pay-per-mile policy on the other hand does not reduce the amount of coverage that you have at any given time. Instead, these policies charge you a small flat rate each month along with an additional per-mile fee only for the number of miles that you actually are on the road. 

Pay Per Mile Policies Put You In Charge Of Your Coverage And Your Spending

A pay-per-mile motorcycle insurance policy really allows you to be in control at all times of both your insurance coverage and your monthly spending. Since these policies offer the coverage you need to take your bike out any time you please, there really is no need to designate a start or end date for your off-season. Furthermore, since the mileage rate associated with these policies is a fixed rate regardless of the time of year, you can easily budget your monthly insurance costs and adjust your riding habits accordingly if necessary. This type of control is not something you can expect to enjoy from a traditional motorcycle insurance policy. 

For more information contact a company like Quote Buy Ride.