Biker Education

Auto & Motorcycle Insurance

Summary: Insuring your car and motorcycle is easy when you have advice from BikerEducation.com Check out these pages for information on insurance and to obtain motorcycle insurance quotes. You can also use these links on the page to obtain quotes on your annual car insurance or other auto insurance.

If there's one simple tip I give everyone throughout the year, it's "get a quote on your insurance every year. Do not just pay the invoice every time you get it. Shop around for the best insurance rates on your motorcycle insurance and car insurance"

Here's some of the things you should have prepared when getting a new quote on your motorcycle insurance or your car insurance:

1 - What's the value of your car or auto? What's the value of your motorcycle? Based on the value of these vehicles, you insurance rates will vary. For instance, if you have a $25k motorcycle, the insurance will be more than if you had a $5k motorcycle. Just the same as if you had a $25k new car, the the insurance rates would be higher then if you have a used $10k car. Therefore, motorcycle insurance works the same as car insurance or auto insurance.

2 - Does your vehicle have any theft protection? Most new cars have some type of vehicle protection or theft deterant systems, whether Lojack, key ignition sensor, window etching, alarms, etc. There are also alarm systems for motorcycles. If you have any of these, make sure you note it for when you're obtaining a motorcycle insurance or auto insurance quote. These systems will enable you to get a discount on your insurance rates.

3 - Have you had any accidents over the last couple years? This is a question that will come up in the quote process that you'll need to answer. This could also impact your insurance costs. If you haven't had any accidents, you could qualify for a safe driver discount.

Now let's discuss some of the insurance terminology so that you can be fully prepared for when you click on the links to get your insurance quotes:

1 - Premium - this is the amount of your monthly or annual payment you make for your insurance plan. The premium can vary based on many factors, including the value of the vehicle (which I discussed earlier), the parts or bells and whistles on your car or motorcycle, etc.
      There is something you need to watch out for: If you pay monthly, you may be paying more for your car or motorcycle insurance. Most companies will give you a discount if you pay the year upfront, or they will charge a 'paperwork fee' for monthly billing. No matter what it is, you will end up paying more if you pay your insurance monthly.
      Depending on where you are financially, or your vehicle being insured, you may not be able to pay the total year upfront. In this is your situation, ask the carrier if you can get a discount for automatic monthly withdrawls from your bank account. If you don't like this option or you can't do it, then all you can do is pay the extra fee (if charged) and make sure you figure in this extra expense when comparing and shopping your insurance policy.

Besides the various points above, I'll discuss now the other factors that can change your premium.

2 - Coverage - there are two types of coverage that come with your insurance plan: Collision and Comprehensive Coverage.

      Collision Insurance - this type of insurance covers you if your car is in a traffic accident. This means whether you have an accident with another vehicle or into a pole, or wall, or whatever. The policy will cover you and pay out when you are at fault in the auto accident. However, if someone else is at fault, it's their responsibilitiy to repair or replace your vehicle. The majority of the time, the other driver's insurance will cover your expenses. But if they don't, you most likely have under-insured motorist protection on your policy and that part will kick in to repair your vehicle.

      Comprehensive Insurance - this type of insurance covers you against damages caused by fire, theft, vandalism, impacts with deer or other animals, natural disasters, etc.

      Deductibles - both Collision and Comprehensive coverage have deductibles. The deductible is the amount of money you would have to pay out of your pockect before the coverage takes effect when you make your accident claim. You have choices with how much of a deductible you want on your policy. The higher the deductible, the lower your annual premium will be. If you have enough cash in a savings account, then you may be able to afford a higher deductible in the unfortunate case of an accident. If not, then choose a lower deductible so that the cash payout is not as large, but you will pay a higher annual premium for your insurance.

Just do you homework and shop around. With Allstate, they'll do some of the shopping for you.

Click here to get quotes on car insurance from Allstate Auto Insurance . They are one of the largest providers of car insurance and other auto insurance. Click on the secure link to Allstate for all your insurance needs. Once you've provided them with the information for the quote, they will follow up with you with a phone call. At that point, you can ask them additional questions on getting motorcycle insurance added to your policy.

Click on any of the links around the main page (called Google ads) and you can obtain quick and secure insurance quotes for your motorcycle from other providers like Geico and Progressive.

There is no reason any motorcyclist or motorist should be without insurance. If you are already a driver of a car, you can tack motorcycle insurance onto your existing policy. Or you can go out and find a quote on a motorcycle insurance policy very easily. Motorcycle insurance is very inexpensive compared to auto policies. For instance, my motorcycle insurance is about $200 per year for my bike.

Don't forget, that if you take the Motorcycle Safety Foundation course (click here to view details on the MSF)you are able to receive discounts toward your motorcycle insurance (and most often will get a discount toward your auto insurance also). So, if your annual auto policy is $1500 and your motorcycle policy is $200, you'll spend a total of $1700 per year before discounts. Now, if you take the MSF courses and pass, and your insurance company grants you a discount for safety courses, you could save up to 10-15% of your TOTAL annual insurance, saving you up to $255 per year. Now that's not bad, and will easily pay for you to get some additional gear or accessories that you've been looking at, or this saving will pay for your gas for several months if not the whole motorcycling riding season.

Again, just remember all the tips and information we provide here for obtaining your insurance quotes. Good Luck and Happy Savings!