By: Sharon Supriya

By: Sharon Supriya

Just a scratch on your hard earned bike can make you sigh every time you see it. Imagine the plight, if you see it in bits and pieces due to a major accident. No, this is not an article to sell an insurance but to give a fine guideline to find the best insurance for your bike. Read further to avoid the common mistakes while buying a safe insurance and other safety measures.

Finding Bike Insurance



Get information about local regulations governing motorcycle insurance. Make sure when to buy insurance as in some states you have to buy insurance before you can take delivery of a new motorcycle from the dealer, while other states have opted out of this requirement.

Contact local motorcycle insurance agents for detailed information about different policies covering motorcycles and their riders.

Call as many companies as you can to get a rate quote

Search online and visit Web sites that offer insurance schemes.

Check different policies and clauses regarding required safety gear, such as helmets, clothing and shoes.

To find the best and cheapest motorcycle insurance it is also necessary to know how the insurance company will rate your bike. Some of the factors for rating are , age(usually the older you are the cheaper your rates will be), address (people living in more crime areas and accidents will have higher rates), clean driving record and you occupation or job. The last factor, job indicates, to where the rider is driving and parking his bike. For instance, if you have to keep the bike parked on a construction site, your insurance rate will be high, due to the increased risk of injury to your bike.

Other safety measures



If you are not wearing your safety gear at the time of accident, your insurance may not fully cover your injuries or damage. Therefore make sure to wear one.

Remember, if something happens to your motorcycle, you will only receive the market value so over insuring will not help you get a higher price for your bike.