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* Do motocycle/rec vehicle insurers offer policy discounts? How do I earn them?
Most insurers offer policy discounts, which can significantly reduce a rider's rates. Membership in associations, such as the American Motorcycle Association, Harley Owner's Group, and Motorcycle Safety Foundation, qualify riders for discounts. Completion of approved driver-training courses also makes one eligible. Insuring multiple bikes with the same carrier also often reduces rates. Also, you may be able to get a discount for owning your own home or packaging the policy with one of your other insurance policies.
* How else can I lower my bike/rec vehicle insurance premiums?
Maintain a "clean" driving record (no tickets or accidents) and strong credit rating. Both can affect your premiums, as they are used to grade your risk. Find insurance carriers that offer multi-vehicle discounts. Wear approved safety gear and install anti-theft devices on your vehicles.
Also, complete driver-training programs, related to your type of riding, such as touring or off-roading, reducing your bike insurance premiums as much as 15 percent. This is especially important for high-risk groups, such as riders under 25 or those with spotty records Store your motor cycle inside and perform regular maintenance. Bikes parked outside are more prone to theft, increasing insurer risk. Deteriorating bikes also break down more frequently, raising insurer liability.
* I have several tickets. Can I still get insurance?
Yes. It will cost more than someone with a good driving record. Call us and we can discuss your options.
* I don't have a motorcycle license. Can I still get motorcycle insurance?
Yes, you can. However, we do recommend you take the time to get your license. If you get ticketed your rates may increase.
* Does a motorcycle/ ATV/ Snowmobile policy give me coverage if I get injured?
Yes, but you have to buy special medical coverage for that. Contact us to discuss this further.
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