Vehicle Insurance

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choosing an insurer for your motorcycle: 5. 6. 1. Motorcycle Insurance. Air Force Safety Center. Ground Safety Division. Traffic Safety Branch …

Rates depend on the bike model and age. Expensive new ones call for a higher premium.

In general, carrying a larger deductible means paying lower premiums. You’ll pay more out of pocket should something happen, but if you’ve paid lower premiums for years, it could be worth it.

Motorcycle Insurance?
Know Before You Go!

Insurance protects you financially in a catastrophe

Your premium may be lower if you’ve taken the Motorcycle Safety Foundation course in defensive driving, have not received any tickets, or were never at fault in a traffic accident. The following factors will help you calculate what deductible you can afford to absorb:

The amount of cash in your savings account, the amount of credit you can assume, your monthly disposable income (after expenses), and the current replacement value of your motorcycle.

The amount you owe on the lease or loan.

The period of coverage.

Read the rest of the material in this document to find out the details.

The

insurance payout to be made for an accident that wasn’t your fault, or for one in which you were at fault. Although you may have never had an accident and think you don’t need much insurance coverage, nobody knows what the future holds. Even if the only payout you ever get is peace of mind, you can be certain that insurance is one of your most valuable and worthwhile expenditures. Air Force Safety Center
9700 G Ave SE Kirtland AFB, NM 87117-5670 Phone: 505-853-9854 Fax: 505-846-6807 E-mail: afsc.segt@kirtland.af.mil

The crime rate in your area.

Online insurance is popular with drivers these days, because without visiting an agency, you can get detailed information written by experts, compare various plans, use the online calculator to estimate your premiums, and pay your premium once you’ve made your decision.

Choosing a Policy

Riding an uninsured motorcycle in the United States is punishable by something as small as a fine or as significant as a prison term. If you can’t prove that you have insurance on your bike when you’re pulled over by the police, your license may even be revoked. However, riding without insurance can hurt you much, much more than that. If you cause an accident where someone is injured and you don’t have an insurance company on your side to foot the bill, the injured party or their insurer may sue you personally for damages. Could you pay a $100,000 hospital bill out of pocket? If not, then you could lose all your assets (such as your house).

Motorcycle Insurance

Insurance companies have taken advantage of Internet efficiencies to establish affordable rates. They provide online access to important details related to their policies — types of premiums, costs, liabilities, claim procedures, and allowed types of claims. If the insurer you select has a help desk, you’ll be able to call for more information whenever you need it. Here are some specifics to keep in mind when you’re choosing an insurer for your motorcycle:
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Ground Safety Division Traffic Safety Branch

If you ride a motorcycle, you need insurance — so your insurer will be the target of any lawsuit, not you. Every state requires you to prove that you have at least a minimum amount of insurance to maintain your vehicle’s registration. This is for your protection as much as for the protection of others.
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