Owning a motorcycle can be a fun and freeing experience. When you purchase a bike, you need to be sure to get motorcycle insurance on the bike before you start riding it. Motorcycle insurance is different from car insurance in many ways. The guide below walks you through a few things you need to know about motorcycle insurance.
Only Individuals with Motorcycle Licenses Can Operate the Bike
When you insure a motorcycle, all authorized driver's for the bike must have a valid motorcycle license. In order to get a motorcycle license, someone must pass a series of tests that prove they know how to safely operate a motorcycle. If you allow someone to drive your bike who does not have a motorcycle license, the insurance company may deny any claims that you make if the person gets into an accident or causes damage to the bike.
Ask About Winter Storage Discounts
If you live in an area that has harsh winters where you cannot ride your bike on a regular basis, you may want to ask your insurance company if they offer winter storage discounts. Some insurance companies will charge you a lower rate during the cold winter months because the bike will be safely stored somewhere, not being ridden. That means that the chances of anything happening to it are lowered, which means insuring the bike is less of a risk for the company, and thus they can offer you a lower rate for your insurance coverage.
Safely Store Your Bike at Night for Added Discounts
There are also some insurance companies that will charge you a lesser amount for your coverage if you are able to store your bike in a garage or shed at night to ensure that it is not sitting out in the open all night long. If you live in an apartment complex or townhouses, you may not have anywhere to store your bike safely, and thus getting a lowered rate for the safe storage will not apply to you.
If you are confused or wonder if there are any other discounts available to you for your motorcycle insurance, don't be afraid to simply ask your insurance agent. Most agents have no problem letting you know about all of the discounts that are offered to ensure that you are able to get the best rate possible and choose to business with their company over another insurance company. For more information, contact a business such as Northeast Insurance Agency.