Online Motorcycle Insurance Quotes
Our website offers information to help you obtain and evaluate motorcycle insurance options from your computer.
Shopping for Motorcycle Insurance Online
What is the best way to shop for insurance? Call up the agent who handles your car insurance? Look through the yellow pages? Not anymore. The internet is the preferred way to shop now.
A few years ago, people started shopping online in increasing numbers. They buy everything from books to trampolines to Chevrolets online. You can't touch and see products online, so it's not an ideal way to shop for clothes or shoes. You probably wouldn't buy a used car online, but what about a new one from a known manufacturer and backed by their warranty?
Insurance and other financial products are perfectly suited to online shopping. What do you need before you decide to buy insurance? Information. Lots of it. How much will it cost if I buy this motorcycle? What are the coverage limits? What if I increase the deductible?
In the olden days, when you used to have to call an insurance agent, you might not have asked all the questions you would have liked to. After all, the insurance agent had to look up the answer to each little 'what if' and get back to you. Very time consuming for you and for them. And what about comparison shopping? Are you really going to ask for all of this information from three or four agents and follow up with them?
Now you can get all of the information you need real-time without bothering an agent or waiting for them to get back to you. You can save all the quotes and compare them side by side. The insurance companies' websites have forms that you can fill out, then you'll receive a quote. But be careful. Not all online quote programs have all the information. For instance, they vary in how they take your driving record into account. Some don't ask for it at all, and they give you a quote based on a perfect driving record. Some ask you about moving violations and give you a quote that assumes that the information you've given them matches your driving record when they contact the DMV. Use the checklist below to make sure that everything has been covered in your quote. Anything that their form doesn't cover can be answered by an agent. Fortunately instead of calling an agent, you can just use their contact form to ask your questions.
Things to Tell the Insurance Company
- What kind of motorcycle you ride. Include the year, make and exact model. If they ask for the VIN, that's even better. No room for misunderstandings.
- All moving violations against you and any other drivers in your family. If you don't know, contact the DMV and find out before you begin your search.
- What coverage you want for
- Liability
- Comprehensive and Collision
- Medical (especially important for passengers)
- What deductible you want
- Any layup periods
Make sure that all of these specifications are the same on each quote so you can compare policies. Here's the beauty of online shopping. You can price a policy with different coverages, deductibles and vehicles. You can even see how much you'll save when that ticket finally drops off your record!