Welcome to Motorcycles Guide
Triumph Motorcycle Repair 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
Triumph Motorcycle Repair News
Triumph Motorcycles to set up Rs 2.15 bn plant at Kolar - Myiris.com
Triumph Motorcycles to set up Rs 2.15 bn plant at Kolar Myiris.com Triumph Motorcycles-India plans to set up a manufacturing unit near Bangalore at a cost of Rs 2.15 billion. The company`s proposal got approved by the Karnataka State High Level Clearance Committee (SHLCC). The committee has approved allotment of 30 ... |
AMA Honors Racing Pioneer Mary McGee - MotorcycleUSA.com
 Ultimate MotorCycling | News and Reviews | AMA Honors Racing Pioneer Mary McGee MotorcycleUSA.com She bought her first motorcycle, a 1956 Triumph Tiger Cub, in 1957. Her next bike was a Honda C110 that she used to commute to her job as a parts manager for a foreign auto shop. In 1960, she started motorcycle roadracing, often switching back and ... Off-Road Demo Rides Come to AMA Vintage Motorcycle Days |
Zoom Motorsports Presents Five Reasons To Attend The Triumph Superbike Classic ... - RoadracingWorld.com
 RoadracingWorld.com | Zoom Motorsports Presents Five Reasons To Attend The Triumph Superbike Classic ... RoadracingWorld.com Tickets for the Triumph Superbike Classic start at just $15 and can be purchased at www.barbermotorsports.com. Kids 15 and under are admitted free with a ticketed adult. The Motorcycle Super Saver package is available until June 21st with access to ... AMA Pro Road Racing Brings the Battle to Miller Motorsports Park AMA Pro Racing Miller Preview 2012 Stars Of Barber 'The Chase' Feature Film To Perform At Triumph Superbike Classic |
Evolution of the Street Tracker - AllAboutBikes
Evolution of the Street Tracker AllAboutBikes Among the many custom options available for motorcycles today is the street tracker. These sleek looking bikes pay homage to the glory days of flat track racing by emulating the pared down look of a dirt tracker, but come with everything you need to ... |
2012 Triumph America Comparison - MotorcycleUSA.com
 MotorcycleUSA.com | 2012 Triumph America Comparison MotorcycleUSA.com With more than 20 years in the motorcycle industry Jan serves as editor of LadyMoto.com. The Triumph America was a unique entry in the 2012 Women's Cruiser Shootout. Check out the 2012 Triumph America video. The Triumph America arrives for this ... |
Craig Vetter to be Honored as Grand Marshal at AMA Vintage Motorcycle Days - WhoWon.com
Craig Vetter to be Honored as Grand Marshal at AMA Vintage Motorcycle Days WhoWon.com by James Holter PICKERINGTON, Ohio -- AMA Motorcycle Hall of Fame member and noted designer Craig Vetter -- whose contributions to motorcycling range from the iconic Windjammer fairings and the Triumph X-75 Hurricane to the Mystery Ship ... |
Motorcycle Racing Pioneer Mary McGee to be Honored as Special Guest at AMA ... - WhoWon.com
Motorcycle Racing Pioneer Mary McGee to be Honored as Special Guest at AMA ... WhoWon.com She bought her first motorcycle, a 1956 Triumph Tiger Cub, in 1957. Her next bike was a Honda C110 that she used to commute to her job as a parts manager for a foreign auto shop. In 1960, she started motorcycle roadracing, often switching back and ... |