Taking the Cheap Route May End Up Being Costly

Imagine making an investment in a motorcycle when it gets stolen. You thought you had great insurance protection because that’s what was guaranteed when you bought that “cheap” insurance, only to find out your coverage was subpar. The insurance company tells you that your insurance will not cover your custom accessories among other things that are deemed “excluded.”

Only after experiencing a loss, you find out that you have the wrong insurance coverage and now you have to pay out of pocket for all of the exclusions you never knew about. Have you done your homework to guarantee you have sufficient insurance protection on your motorcycle?

Tips to Save Money

Be a Safe Rider- Being a responsible driver will qualify you for a reduction in your insurance premium. Not having accidents and even enrolling in a motorcycle safety course will let your insurance company know you are a safe driver. In exchange for this, your insurance company may reward you with a discount.

Investigate All of the Available Discounts- There are many special discounts that are available such as Safe Driver, Multi-Policy, and Motorcycle Safety courses, so call our office today to find out how many you may qualify for.

Run from Cookie Cutter Motorcycle Insurance Gimmicks- If you simply buy the cheapest insurance for your motorcycle, you may save money on the front end, but if you have a loss, it may end up very costly in the end. Look for an insurance company willing to custom build insurance protection for you, while still ensuring a rate you can afford.

Combine All of Your Insurance Policies- Many motorcycle insurance companies will offer you a discounted rate by combing your motorcycle, homeowners, and auto policies with the same independent insurance agent. By being loyal to them, they will reward you with a discounted premium.

Use an Independent Insurance Agent That is a Motorcycle Insurance Specialist- An independent insurance agent will work for YOU and not the employer to ensure you get the motorcycle insurance protection that you need while shopping for the best insurance rate. An independent insurance agent will handle your claim effectively and efficiently, while providing the customer service you deserve.

Maintain Bike Safety- There are many ways to keep your bike safe, which include having an alarm system on your motorcycle, housing it in a safe location, and using an extra lock when at locations that leave your bike most vulnerable. Doing these safety precautions will save you money on your motorcycle insurance rate.    

To get the insurance protection you deserve and need for your motorcycle, call our office TODAY at 866-869-3335.

The post How to Get the Lowest Rate on Your Motorcycle Insurance appeared first on Paramount Insurance Agency.

We’ll assume you prepared your motorcycle properly when you put it in storage for the winter. Hopefully, ethanol in the fuel was treated last fall to avoid build up and clogged injectors. Check all fluid levels, tire pressures, and add some fresh gas. Charge up the battery, and fire it up. It’s also a good idea to let the bike sit for a few days to make sure your battery holds a charge. With a well maintained motorcycle, this is about all that’s necessary if you did your proper maintenance before winter storage.

Being safe on the road depends primarily on how alert you are while riding, and how well you are paying attention to what’s going on around you.

After a long winter, with road crews working long hours to keep the roads clear of ice and snow, there is a very dangerous residual leftover from the plowing process.

SAND the highway department used on roads presents a serious danger to bikers. Loose sand is everywhere in the early spring.. main roads, side streets corners, and intersections. Accumulation of sand presents a severe danger to all 2 wheel vehicles. If you lean over too far and power through a corner in the spring, with some left over sand on the road, your wheels will slide out from under you. Road rash is very painful. Sliding your body across the asphalt will rapidly grind skin and flesh off your body. Not a good experience.

Watch out for loose sand at intersections as well. Stopping too fast on a thin layer of sand will send you sliding through an intersection, possibly into the path of traffic.

Car and truck drivers have forgotten all about motorcycles over the past few months.

Even in perfect weather a motorcycle is almost invisible to cars. Headlights on can help, but it’s crucial to ride with the attitude that everyone out there is trying to kill you. For all practical purposes they are. Tangling with a car is the last thing you want to do.

Keep in mind, this is the time of year when a large number of new, inexperienced motorcycle riders hit the North Carolina roads. With the price of gas increasing, more and more people will be riding motorcycles for daily transportation. Not only should these new riders be most cautious, but the experienced rider can find themselves in trouble because of mistakes made by someone with little or no experience, that happens to be in their riding space.

Many motorcycle safety courses are offered throughout North Carolina and can lower your costs on insurance significantly. Be sure to take advantage of every motorcycle insurance discount you deserve. Some motorcycle insurance companies offer more discounts than others. Shopping around can save you money and if you want to save time too, we can do the shopping for you. Just give us a call at 866-869-3335.

When you head out on the road this spring, be aware. Know what’s going on around you and give yourself enough space to safely avoid dangers. Motorcycles are one of the best ways to see North Carolina, enjoy it safely!

The post Spring is here! Avoid These Dangers on Your Motorcycle. appeared first on Paramount Insurance Agency.