Welcome to Motorcycles Guide
Honda Direct Line Motorcycle Accessories 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
Honda Direct Line Motorcycle Accessories News
The evolution of the sports motorcycle - statistics show how much faster ... - Gizmag
The evolution of the sports motorcycle - statistics show how much faster ... Gizmag The production-based World Superbike Championship Series is now unquestionably the most important global race series in terms of influencing buyer decision of sports motorcycles and performance accessories but as our research shows, it appears to be ... |
Indian stocks to watch-May 17 - Reuters
Indian stocks to watch-May 17 Reuters (Business Standard) * Honda Motorcycles launched its second 110 cc model, the 'Dream Yuga'. With prices starting at 44462 rupees, as of New Delhi prices, it targets semi-urban and rural markets. (Business Line) * Japanese automobile component ... |
Triumphant sports bike - Bangkok Post
Triumphant sports bike Bangkok Post The Triumph Daytona 675 has won the Supertest award, a collaboration between some of the leading world motorcycle magazines, for the fourth consecutive year since Motor Cycle News (MCN) declared it the "MCN Sportsbike of the Year 2009", ... |
2012 Zero S – Road TestAmping up battery capacity gives the Zero a fresh charge. - Cycleworld
2012 Zero S – Road TestAmping up battery capacity gives the Zero a fresh charge. Cycleworld It's much the same deal with electric motorcycles. Pushed ahead by the specter of ever-rising gas prices and drawn by important developments in battery and motor technology, electric bikes represent an opportunity for two-wheel growth and a greener ... |
EcoVelocity expo gathers pace - This is Somerset
EcoVelocity expo gathers pace This is Somerset EcoVelocity has revealed the final line-up of electric and low carbon vehicles for the second annual low carbon motor show at ExCeL London from Saturday. The EcoVelocity paddock will feature exciting and aspirational eco-friendly models. Direct from ... |
2013 Scion FR-S Drive and Preview by Carey Russ - Autochannel (press release)
 Autochannel (press release) | 2013 Scion FR-S Drive and Preview by Carey Russ Autochannel (press release) There's nothing wrong with that, just ask the man with three Italian motorcycles and a British sports car (yeah, that would be me). Reliability is a fine attribute, but vehicles designed by focus group and committee lack something important...Passion. |
EcoVelocity ready to go live this weekend - TheChargingPoint.com
 TheChargingPoint.com | EcoVelocity ready to go live this weekend TheChargingPoint.com Also on hand for test drives will be Honda's CRZ coupe and Jazz Hybrid. The Ampera's sibling Chevrolet Volt will also be available for drives, as will the Mia city car. Citroen will bring its C-Zero, which, along with the Peugeot iOn, is a version of ... |