Make sure you are covered before getting on that motorcycle!

Fall is right around the corner, and it’s about that time to start thinking about cruising down those open roads on your motorcycle either by yourself or in a club on an outing

We want to make sure that before you hit the road, sit down with your independent insurance agent and make sure your insurance policy is up to speed so that you, your passenger, and your bike are protected.

Here are a few tips that will help you:

1. Make sure your insurance policy is still active.
If you don’t drive your bike that much, you may have let your coverage lapse. It takes a few seconds to check this. Look at your policy ID. It should have your expiration date on it. Also, some companies have a winter layaway period when some of your coverages may be restricted. Check with your independent agent about this to see if you have any type of limited coverage.

2. Modify your policy.
Let your independent agent know about any changes that may affect your policy… Most of the time it is customization of your “ride!” A quick call to your independent agent can secure coverage that meets your needs.

3. Cover those customized parts.
Did you know that parts such as chrome parts, custom paint jobs, or any special add-ons like  custom rims or other parts will invariably increase the value of your motorcycle? If you’ve added custom parts or equipment, make sure they’re protected, and ask your independent agent to update your policy.

4. Drop the coverage you don’t need.
Older bikes may or may not have great value. So, if you do own an older bike, check the value. Don’t pay for coverages that you don’t need. You may want to consider deleting the collision coverage if it is to expensive and you bike not worth the expense, but keep in mind that you won’t be covered if your bike flips or collides with another object.

5. Raise your deductible.

If you purchase comprehensive and collision coverage, you may want to consider raising your deductibles. This can lower the cost of your physical damage coverage, but will increase your cost at the time of loss.

6. Shop around.
Prices can vary between insurance companies depending on a lot of factors, so have your independent insurance agent shop around since they will have several markets to compare to.

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