Welcome to Motorcycles Guide
Big Dog Motorcycles Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Motorcycle Insurance
from: JG MashinoChoosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Choose the agent or company that's right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their auto or motorcycle insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance professionals advertising motorcycle insurance.
Source - Insurance Information Institute at www.iii.org
Big Dog Motorcycles News
Big list of Memorial Day events in Greater Phoenix - Arizona Republic
Big list of Memorial Day events in Greater Phoenix Arizona Republic Get barbecue items like hot dogs, baby back ribs, burgers and chicken. Non-alcoholic drinks are included. Beer and cocktails are additional. Reservations are required. Luxurious 900-square-foot cabin accommodations are available and a rancher's package ... |
American Biker 'bash' lured riders and revelers to check out new cycles ... - Charleston Post Courier
American Biker 'bash' lured riders and revelers to check out new cycles ... Charleston Post Courier American Biker sells new Triumph and Polaris-made Victory Motorcycles and Big Dog and Sucker Punch Sally's custom bikes; used cycles including Harley-Davidson; and Polaris all-terrain vehicles. The store also has a service and parts shop open six days ... |
From down and out to back in business - Powersports Business
From down and out to back in business Powersports Business I couldn't believe it when I learned that Big Bear Choppers were back in production. The chopper market was dead, right? Companies like Big Dog and American Iron Horse — and, most recently, Big Bear — fell victim to the Great Recession, and the ... |
To-Do List: May 23-June 3 - Green Bay Press Gazette
To-Do List: May 23-June 3 Green Bay Press Gazette Collins Learning Center, Crossroads at Big Creek, 2041 Michigan St., Sturgeon Bay. (920) 746-2260. » READ TO BARLEY, 4 to 5 pm Children may read a story to a gentle therapy dog. Door County Library, 107 S. Fourth Ave., Sturgeon Bay. (920) 746-7119. |
Southland festivals for 2012 - SouthtownStar
Southland festivals for 2012 SouthtownStar Entertainment includes a live disc jockey on May 30-31, Hat Guys and Dueling Pianos on June 1, Big Dog Mercer Band, One Foot in the Groove, Fortunate Sons and Infinity on June 2, and Brothers in Arms, McCarthy Road, Libido Funk Circus and 16 Candles on ... |
Somerset man killed in motorcycle crash - Pittsburgh Post Gazette
Somerset man killed in motorcycle crash Pittsburgh Post Gazette State police said Mr. Conn was riding his motorcycle, a 2005 Big Dog Ridgeback, north on Route 985 about 10:25 pm when he crossed into the southbound lanes. He turned sharply to get back into the southbound lanes and lost control. |
Louisville man killed in motorcycle crash in South Knoxville - Maryville Daily Times
Louisville man killed in motorcycle crash in South Knoxville Maryville Daily Times William J. Fritz, 62, was traveling westbound on John Sevier Highway at the intersection with Twin Creek Road, when he lost control of his 2000 Big Dog motorcycle and skidded off the roadway, hitting a guardrail and going off an embankment. Authorities ID victim in S. Knox motorcycle wreck |