Welcome to Motorcycles Guide
Harley Davidson Motorcycle Dealer 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
Harley Davidson Motorcycle Dealer News
Harley-Davidson lost, found after tsunami going into museum - GlobalPost
 Ultimate MotorCycling | News and Reviews | Harley-Davidson lost, found after tsunami going into museum GlobalPost Harley-Davidson is putting a motorcycle lost in the Japanese tsunami, and found 4000 miles away a year later in Canada, on display at its museum in Milwaukee. (Harley-Davidson/Courtesy) Harley-Davidson is putting a motorcycle lost in the Japanese ... Harley-Davidson motorcycle swept away by Japan tsunami to be preserved in museum Tsunami-ravaged motorcycle to be preserved in Harley-Davidson museum in Milwaukee Tsunami-ravaged motorcycle to be preserved in Milwaukee museum |
Harley-Davidson Motorcycle Dealers Ranked Highest By 2012 Pied Piper Prospect ... - MarketWatch (press release)
Harley-Davidson Motorcycle Dealers Ranked Highest By 2012 Pied Piper Prospect ... MarketWatch (press release) MONTEREY, Calif., May 7, 2012 /PRNewswire via COMTEX/ -- Harley-Davidson dealerships returned to the top ranking in the newly released 2012 Pied Piper Prospect Satisfaction Index® (PSI®) US Motorcycle Industry Benchmarking Study, which measured ... |
Harley-Davidson Motorcycle Dealers Ranked Highest By 2012 Pied Piper Prospect ... - PR Newswire (press release)
 Ultimate MotorCycling | News and Reviews | Harley-Davidson Motorcycle Dealers Ranked Highest By 2012 Pied Piper Prospect ... PR Newswire (press release) MONTEREY, Calif., May 7, 2012 /PRNewswire/ -- Harley-Davidson dealerships returned to the top ranking in the newly released 2012 Pied Piper Prospect Satisfaction Index® (PSI®) US Motorcycle Industry Benchmarking Study, which measured dealership ... Harley Dealers Top Satisfaction Rankings Sales Tax was a Factor in the Move of Harley Davidson Dealership The Harley temptation |
Harley-Davidson shares fall on sales worries - The Associated Press
 Motorcyclist Magazine | Harley-Davidson shares fall on sales worries The Associated Press NEW YORK (AP) — Shares of Harley-Davidson tumbled Friday on concerns of a possible slowdown in demand for high-end motorcycles. THE SPARK: Citi analyst Gregory Badishkanian said that after jumping 26 percent in the first quarter, checks with Harley ... Harley Davidson targets ten-fold jump in India sales by 2016 |
BIKES: 2012 Harley Demo Rides Near You - SPEEDtv.com
 SPEEDtv.com | BIKES: 2012 Harley Demo Rides Near You SPEEDtv.com You can demo a Harley-Davidson at over 150 free Dealer Demo Events. (Photo: Harley-Davidson) There has never been a better time than now to ride a new 2012 Harley-Davidson motorcycle. With the new Twin Cam 103â„¢ powertrain as standard equipment on ... Harley-Davidson Offering Over 150 Free Dealer Demo Events In 2012 California Harley dealership honors vets on Armed Forces Day Most of our customers are upgrading from Royal Enfield: Anoop Prakash |
Island dealer to help return Harley that rode a tsunami - Vancouver Sun
 ITV News | Island dealer to help return Harley that rode a tsunami Vancouver Sun A Langford motorcycle dealer is helping to return a Harley-Davidson motorcycle to its owner in Japan after it was washed out to sea by last year's tsunami and ended up on BC's northwest coast. Masset resident Peter Mark found the motorcycle April 18 in ... B.C. dealer to help return Harley-Davidson that rode a tsunami Harley Davidson Rides To $59 As Growth Hits On All Cylinders Tsunami-swept Harley found in Canada was built in York |
Harley dealers reclaim top spot with PSI scores - Powersports Business
Harley dealers reclaim top spot with PSI scores Powersports Business For the first time in five years, Harley-Davidson dealers have reclaimed the spot at the top of Pied Piper Management's Prospect Satisfaction Index (PSI). Harley topped the chart of the mystery shopping scale, with a score of 108 (135 is the highest ... |