Choosing the perfect motorcycle insurance in Chesapeake, VA can be a real problem. Luckily, you can protect your motorcycle investment, and show your bike the respect it deserves, by using these four great tips to select the right insurance for you. Do keep in mind, however, that insurance rates can vary depending on several factors, such as amount of coverage needed, initial cost of the motorcycle, and the size of its engine.
Speak to a Motorcycle Specialist
There are many insurance companies that provide superior motorcycle coverage. If you’re not sure where to start, check with your bike dealership, or speak to fellow bikers for their insurance recommendations.
Make Sure to Shop Around
Never settle on just one quote. Make sure to shop around, since motorcycle rates for insurance in Chesapeake, VA can vary, often from as much as 40-60% depending on the company. It may even surprise you what extra discounts can apply to individuals who have a clean driving record.
Shop for Package Discounts
Did you know that you can easily receive a package discount by insuring multiple items? Speak to your insurance representative, and inquire what rate reduction you’ll receive when insuring your house, car, motorcycle, and other valuable items.
Join The Club!
Many insurance companies that offer motorcycle coverage also offer discounts for members of established motorcycle clubs. These can include the BMW Motorcycle Owners of America, the American Motorcyclist Association, and the Harley Owners Group.
Additionally, you may want to consider getting extra coverage for bike enhancements, upgrade coverage for custom accessories, and premium liability insurance add-ons. If you’re over 55, own your own house, have a clean driving record, and store your motorcycle in a garage, you can also receive extra discounts on your insurance package. Consider the importance of selecting the perfect motorcycle insurance coverage for your everyday needs.
