So you bought a motorcycle. Whether used or new, it is your new baby and you need to make sure you get a great deal on your motorcycle insurance to make sure you have protected your sweet new ride.
The best way to do this is to look for your bike insurance quote online and find a great website that will do the comparison for you. Make sure you do extensive research on the company and policies before you choose one. Mostly this process is the same as finding car insurance, but there are a few motorcycle specific factors to keep in mind.
The first thing you must consider when searching and researching your motorcycle insurance policies and companies, you must think about what kind of coverage you need and want. Some policies only cover theft and accidents. But a better choice for your motorcycle insurance would be a comprehensive policy that includes third party and other aspects and risks of owning a bike. If you are uncertain, there are tons of great articles online that can help you understand the differences between the various policies.
Upon determining the level of cover you need, take some time to research completely and find the companies that offer the kinds of policies you desire. Many online sites are not terribly user friendly, and you will need to review much small print to determine if the policy is what you are looking for. Also check to see the length of time the company has been in service. This is less of an issue with bigger well known companies, but if you go with any Suzuki motorcycle insurance company that you are not terribly familiar with, you will want to be sure and really know with whom you are dealing.
Read as many comments and reviews that you can find about the company from which you think you would like to purchase your motorcycle insurance. You can also ask around in forums to determine what the current temperature is toward the company you are investigating. This is a great way to get a feel for their reliability.
Once you have decided on the company, you can likely get an instant quote. This is fast and easy through many comparison sites available. Be sure to carefully read every single word of the policy, especially the fine print!
It is important to know that the greater your interest and investment in standard safety measures, the lower your motorcycle insurance premiums will likely be. They will often ask you if you wear full riding gear such as helmet and jacket when you ride. They may also ask where the bike is kept at night and what sort of locking or security you utilize. You want to be able to honestly answer “yes” to every safety and security question you are asked.
Also, always try to pay you motorcycle insurance in one lump sum once a year. This will significantly lower your premiums and save you tons of money.
The best places I’ve found for getting quotes have been online.