YOU ASK:

Comparing motorcycle insurance – how can I find the best motorcycle insurance rates?

WE ANSWER:

The Internet offers consumers the possibility to compare a multitude of motorcycle insurance quotes offered by different companies. It is definitely worth the time and the hassle: comparison-shopping online can help you save a lot of money on your motorcycle insurance and it is absolutely free.

Since bikers are one of the motorist groups most prone to accidents, carrying adequate motorcycle insurance is a must, even if not officially required by some states. Motorcycle insurance is typically much cheaper than insurance for four-wheelers, therefore you should try to get the fullest coverage that you can afford. Do not make the mistake of sacrificing protection for price.

Here are the coverages you should try and include in your motorcycle insurance policy:

  • Third-party liability coverage - protecting the biker in the event of causing bodily injuries to another person or physical damage to another person's property.
  • Underinsured/uninsured motorist coverage - protects insureds against being injured by an underinsured or an uninsured motorist.
  • Collision - provides protection against physical damage to one's bike, caused by collision.
  • Comprehensive coverage - compensates motorcycle policyholders if damage to their bikes is caused by theft, vandalism, fire, flood, etc.
  • For an extra small premium you can get your equipment protected.

How to Find the Best Motorcycle Insurance Quote

Bike insurance quotes offered at the lowest rates are not necessarily the best ones. In fact, the cheaper the insurance quote, the least protection it is likely to provide. And since motorcyclists are a high-risk group, it is highly advisable that you get the widest coverage possible.

Therefore, always make sure you don't compromise the quality of coverage for the rates! Shopping around and comparing quotes can help you find an affordable policy that will adequately protect you and your two-wheeler in the event of an accident.

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