Welcome to Motorcycles Guide
Victory Motorcycle Rally 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
Victory Motorcycle Rally News
My Ride events: Plenty of car cruisin and bike runs all right here! - Pocono Record
My Ride events: Plenty of car cruisin and bike runs all right here! Pocono Record Mid-Atlantic Scoot and Spyder Rally — Through June 3. The rally will be headquartered at the Hollander Motel, 320 E. Main St., New Holland. The event consists of various group rides; some rides are police assisted. There will also be food and door ... |
Motorcycle-lovers roll into Hilltop Farm - Reminder Newspapers
 Reminder Newspapers | Motorcycle-lovers roll into Hilltop Farm Reminder Newspapers In other words, it was a perfect place and time to be out on a motorcycle, especially if you love George Hendee's Indian Motorcycles from years gone by. The fourth annual Indian Motorcycle Rally was held at Hilltop Farm in Suffield that day. |
Round 4 of Five-Race 2012 SCORE Desert Series to be Held June 1-3 in Ensenada ... - WhoWon.com
Round 4 of Five-Race 2012 SCORE Desert Series to be Held June 1-3 in Ensenada ... WhoWon.com The green flag will drop for the race at 6 am on Saturday (June 2) for the motorcycle and ATV classes in the Tecate SCORE Baja 500, followed by the car and truck classes three hours after the last ATV at approximately 10 am The elapsed-time race, ... |
BMW Group Supports Husqvarna Rally Team - MotorcycleUSA.com
BMW Group Supports Husqvarna Rally Team MotorcycleUSA.com The Husqvarna Rally Team will have the support of the BMW Group as they prepare for the 2013 Dakar Rally. The Husqvarna Rally Team by Speedbrain can once again count on the support of the BMW Group in 2012. Husqvarna Motorcycles, a 100-percent ... |
American Biker 'bash' lured riders and revelers to check out new cycles ... - Charleston Post Courier
American Biker 'bash' lured riders and revelers to check out new cycles ... Charleston Post Courier Motorcycles were on display last spring at American Biker for its annual show (Photo provided). The Heritage motorcycle rally in the mid 2000s yearly attracted hundreds of bikers, custom motorcycle manufacturers, cycle historians and visitors to the ... |
Buffalo Chip Partners aims to show buying power - Powersports Business
Buffalo Chip Partners aims to show buying power Powersports Business The Sturgis Motorcycle Rally brings cash not only to local businesses, but also to thousands of other establishments on the unlimited routes to the South Dakota event. Sturgis Buffalo Chip founder Rod Woodruff has created a plan that provides both ... |
Waterford Speedbowl Wild 'n Wacky Wednesdays Results - WhoWon.com
Waterford Speedbowl Wild 'n Wacky Wednesdays Results WhoWon.com Shifflett found Victory Lane for the second time in three X-Car races on the year. His route to the winner's circle was the toughest of the night as he overcame a close call earlier in the event. The 20-lap feature began with Javier Rivera leading the ... |