Seattle Motorcycle Insurance Quote Tips

In many cities, like Seattle, it is mandatory to have insurance on your motorcycle. Not only is your insurance designed to cover any loans or bank notes on you motorcycle, it is also there to cover any personal injury bills as well as repairs to your bike and any other property involved. Don’t base the decision to buy motorcycle insurance on the law of Seattle, but base it on the risk you would be taking if you didn’t have it. You never know when you may need to use your policy. Many people think Seattle motorcycle insurance is too expensive to pay every month, but compare that to what you would have to pay if you had an accident and you didn’t have it. There are some great tips to help you get the best possible rate on Seattle insurance.

If you haven’t bothered to take a motorcycle safety course since you bought your bike, you should look into it. This will only help you become a better motorcycle rider, and it will also help you earn a discount on your Seattle motorcycle insurance. Insurance companies feel trained owner will make mistakes less and make better decisions when it comes to riding and taking chances. If you currently have insurance with a company, they will most likely offer you a multi policy discount and this will save you at least 15% on your monthly bill. Not all insurance agents in Seattle know the difference of a good motorcycle policy and standard insurance, so make sure you ask as many questions as you can.

Comparing Seattle Motorcycle Insurance Company Quotes

When comparing Seattle motorcycle insurances quotes, you need to make sure to compare similar plans and not just on price. Cost is not the first thing you need to look at. The amount of coverage and the situations in which you are not covered are very important to look into when getting an insurance quote from any Seattle agent. Lowering or raising you deductable can have a significant effect on how much your monthly or annual payment for your insurance will be. I believe that having a high deductable is the wisest choice since the chance of having you save the difference of a $500 or $1000 deductable is pretty good.

A good insurance company will offer special discounts for you storing your motorcycle in a garage and being in a secure location. This is because it has a less of a chance of getting damaged or stolen than if you just store it in your driveway or on the street. Some insurance companies will also give you discounts if you only use it during the spring and summer time and store it during the more “stormy” months of the year. If you hate riding your bike during the rough weather we have in Seattle, than this would be a good option for you to check into with your insurance agent. Just make sure that you don’t get tempted to hop on your motorcycle when your insurance is on hold because that is usually a $500 fine from the City of Seattle.

Seattle Motorcycle Insurance and Your Driving Record

Keeping a clean Seattle driving record both in your motor vehicles and on your motorcycle will save you a great deal of money on your motorcycle insurance. Insurance companies love to discount those who have been a low risk policy holder over the years. Paying your premiums on time for 180 days (6 months) and have had zero moving violations, you might want to call your agent and ask if they can do a “low risk” evaluation on your policy and see if you qualify for an even bigger discount. If not, then this would be a good time to start shopping. Just take your existing policy to a new agent and tell them to beat the price for the exact same coverage. It doesn’t hurt to shop around if you feel you deserve a better rate.

Those that are just starting to ride a motorcycle should take a class and get what is called “Learners Insurance”. This is a cheaper alternative while you are testing the waters of having your own motorcycle and learning the ropes of being a real rider on the Seattle streets.

I know you must think the internet is a fabulous way to find motorcycle insurance, but make sure you actually work with a company that specializes in actual motorcycle insurance. A few insurance agencies don’t offer motorcycle coverage while others specialize in it. The internet gives you an easy and quick way to upload your information and then receive actual quotes via email from many insurance agencies. Once you have a few quotes from local Seattle agents, then you can get them on the phone and ask more specific questions. I wouldn’t buy any insurance unless I actually had a chance to talk to the agent that is earning my money. Internet is great, but in the end, buying local here in Seattle will definitely give you the best service and peace of mind.

Motorcycle insurance is the way to go regardless if it’s mandatory in your state or not. Even though operating any type of motor vehicle comes with a certain amount of risk, you need to ensure your butt is covered and insurance will help lower the financial risk involved in riding a motorcycle by covering the cost of damages and medical expenses should you be involved in an accident.