Welcome to Motorcycles Guide
Custom Chrome Motorcycle Accessories Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Motorcycle Insurance
from: JG MashinoChoosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Choose the agent or company that's right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their auto or motorcycle insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance professionals advertising motorcycle insurance.
Source - Insurance Information Institute at www.iii.org
Custom Chrome Motorcycle Accessories News
Postcard from Perry Township: Restored motorcycle honors fallen Perry High ... - Canton Repository
Postcard from Perry Township: Restored motorcycle honors fallen Perry High ... Canton Repository Chrome pieces highlight the four-decade-old Harley-Davidson. “Even the frame is all custom,” McGill said. “It's old-school with modern technology.” Sponsors of the “Panther Tribute Bike” offered donations and discounts for parts or services, ... |
'Your memory will never fade' - Land Line Magazine
 Land Line Magazine | 'Your memory will never fade' Land Line Magazine ... Steve will join Rolling Thunder – the largest motorcycle tribute of its kind – to honor those killed or missing in action in wars. By Nikohle Ellis Steve Davenport's custom paint job from the Chrome Shop Mafia pays tribute to Vietnam veterans who ... |
Autorama to consume fairgrounds on Memorial Day - Huntsville Item
Autorama to consume fairgrounds on Memorial Day Huntsville Item By Tori Brock Staff Reporter Shiny chrome, custom paint jobs, oiled-up wheels and the best-of-the-best of classic and late-model vehicles will be on display Monday during the Huntsville Autorama. The Autorama will run from 8 am to 5 pm at the Walker ... |
FINDING A REASON TO RIDE - Chicago Sun-Times
FINDING A REASON TO RIDE Chicago Sun-Times Bikers ride their motorcycles during the Harley-Davidson Anniversary Open Road Tour in June 2010, an event that brought thousands of riders to Barcelona, Spain. | Manu Fernandez~AP Fuel “on.” Ignition key turned. Gear in neutral. |
2012 Kawasaki Vulcan 900 Custom Comparison - MotorcycleUSA.com
 MotorcycleUSA.com | 2012 Kawasaki Vulcan 900 Custom Comparison MotorcycleUSA.com With more than 20 years in the motorcycle industry Jan serves as editor of LadyMoto.com. The Kawasaki Vulcan 900 Custom is Kawasaki's entry-level cruiser. Watch the Kawasaki Vulcan 900 Custom video to see how Team Green stacks up against the rest. |
Vallejo mayor's motorcycle stolen from City Hall parking lot - San Jose Mercury News
Vallejo mayor's motorcycle stolen from City Hall parking lot San Jose Mercury News The motorcycle was stolen out of the Vallejo City Hall parking lot between 2:30 and 5 pm It is described as a black 2001 Harley Davidson Road King, with chrome parts. Its license plate number is 15V4079. Davis said the motorcycle was parked Friday on ... |
Precision Billet Accessories Make Perfect Father's Day Gifts for the ... - DigitalJournal.com (press release)
Precision Billet Accessories Make Perfect Father's Day Gifts for the ... DigitalJournal.com (press release) Precision Billet provides high-quality, made-in-the-USA billet motorcycle parts featuring unique 3D designs that are class leaders at competitive prices. All of the company's products are custom crafted from 6061 T6 aluminum for Harley-Davidson ... |