Motorcycle policies are similar to auto insurance policies. They both offer liability and physical damage coverage to protect you and your assets. Should you be hurt in an accident or your bike is damaged, your policy will cover it. However, motorcycle policies may adjust their rates based on a “layover” period. A layover period is the part of the year when the weather may not good for riding. Usually, it’s the colder months, spanning mid-to-late October until March. But this depends on your area. This helps you save on your policy while still being protected.
Tips
Contrary to popular belief, motorcycles are very safe. When riding, practice defensive driving and be aware of your surroundings. Safe driving tends to save riders on their insurance, so here are a few tips!
- Take a Training Course. Many companies offer discounts to graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. This is particularly useful for riders under the age of 25, since they are usually considered a higher risk. It’s also a good idea for riders who have already had accidents.
- Find out what discounts your insurance company can offer. A few possibilities include: Multi-bike discounts can deliver savings to riders insuring more than one bike. Members of motorcycle clubs or other associations may be eligible for organization discounts.
- Mature Rider Discounts. Experienced riders can save money.
Quest Insurance will help you get the perfect policy for your motorcycle. Hit the open roads with the peace of mind that we’ve got you covered.
