If you are a first time, or even an experienced rider who has not taken a motorcycling safety course, put it on your “to do” list. Not only will it sharpen your street survival skills, but it will also bring you a discount on your insurance premium.
Things To Keep In Mind
Your premium will be based upon several key factors involved with your motorcycling situation. They include, but are not limited to:
- The motorcycle engine displacement size in cubic centimeters (cc)
- Type of motorcycle
- Brand of motorcycle
- Your age
- Your driving record
- Your driving experience
- Is the bike garaged?
- Number of intended miles driven weekly
Majority of the time, you'll receive a higher premium with a larger displacement engine. These bikes are more expensive and provide higher performance.
The type of motorcycle you plan on insuring also affects premium price.
A 500 cc cruiser will be cheaper to insure than a 500 cc sport bike. Sport bikes usually have fairings (plastic covers that shroud the engine), and other various pieces of bodywork that can make them expensive to repair in a crash or accident. The make (brand) of your motorcycle is not such a big factor, but it is taken into consideration. A brand with models few and far between will run higher than a common brand. Your age will affect your premium. Older drivers tend to experience cheaper rates than their younger counterpart, on the same motorcycle. Statistics show that riders under the age of 25 tend to be involved in the most accidents. Driving record and experience both affect your premium. If your record is blemished with tickets and accidents, then expect to pay more. Experience tends to go hand in hand with your age. Will your motorcycle be garaged, or parked out along the street? If you plan on leaving it out on the street, then you'll experience a higher rate than if it is garaged. Leaving it parked along the street leaves the bike open to theft and accidents. If you live in a big city, your rates may slightly be higher than if you live in a rural area. Will the bike be your daily driver, or used for leisure? The mileage you tend to put on the bike on a weekly basis will push your premium up or down. If the motorcycle is your main mode of transportation, expect a higher rate.
Watercraft and Boat Insurance
If you're an avid watercraft enthusiast with some nice toys in your garage, you might want to check into watercraft insurance. Don't assume that your craft is covered under homeowners insurance, because in most cases, they aren't. First, know your watercraft! Fully understand all operational aspects and characteristics before heading out onto the open water. Your personal watercraft is considered a powerboat, so you need to obey the rules governed for powerboats by the Coast Guard and other marine authorities. Your local waterways sometimes have their own guidelines for use, so get to know and understand them as well.
Who/What Is Covered?
It comes down the policy specifics, but in most cases, the policy will cover you, your spouse, or any other household member that have permission to ride the craft. The policy will pay for bodily injury or other property damages caused by the craft. Various available coverage includes medical payments, physical damage, uninsured boater, and personal effects.
This extra coverage will pay for the cost of necessary medical treatment that results from an accident involving the watercraft.
This will cover the cost of repair to the watercraft if you are in a collision with another craft or other object. In most cases, you'll also be covered in cases of theft, vandalism, or fire.
This coverage pays for medical treatment that results from an accident with another boater who does not have insurance.
This optional coverage will cover some of the various common contents kept within a watercraft. These may include cameras, binoculars, clothing, or assorted accessories.
If you haven't already, look into taking a watercraft safety course. Not only will it make you a more proficient rider, but you'll receive a premium discount from most providers. It can range anywhere from 10-15% off.
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