Motorcycle Insurance: Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

There is no other way to put it, if you are riding without good motorcycle insurance you are just plain stupid. Most motorcycle owners have insurance but there will always be some that think it is not necessary, it is to expensive, they don't need it because they drive safe and many more excuses. When you are the one making these excuses, please read this article and make sure you are smart not stupid.

Why is good motorcycle insurance so important?

There is a big difference between car and motorcycle insurance for example it is possible to just insure your motorcycle and not yourself not that this is smart thing to do but it is a possibility. You can also cover bike, rider and people that will be riding pillion on your bike. Something not all motorcycle owners do but should be is cover bodily injury and damage to property. When you are in a accident and cause damage or even injury the cost can be extremely high, motorcycle insurance will be necessary to pay for those costs.dent that causes harm to other people.

If you already own a motorcycle or if you are planning to buy one you really need to get motorcycle insurance and we know it is something some of you bike owners do not give much adequate attention to, there really is no doubt about how useful this can be. It is very simple to find a good insurance company that insures motorcycles and when you already have a insurance for your car you can check out the same insurance company because most will give you discount if you take a motorcycle insurance with their company as well.

What type of motorcycle insurance?

The type of motorcycle insurance policy will depend on:

- coverage
- price
- type of motorcycle
- neighborhood
- driving record
- age

Take as much coverage as you can afford but at least the legal minimum requirements

There is of course no limit in the amount of coverage you can take but you should at least have the legal minimum requirements, and you need to be sure that you know what they are. There are a lot of options you can choose from in the amount and the type of the coverage but it is still up to you what you decide to take for your own protection. You can also ask for additional services like roadside assistance, glass insurance, towing costs. This last service can be extremely convenient when you take long distance trips and are not so good in repairing your motorcycle.

Discount if you take a course.

You can take a riding course with the Motorcycle Safety Foundation and some motorcycle insurance companies will give you ten percent discount on the insurance premium. The key messages of the Motorcycle Safety Foundation for bike owners are:
1. Get trained and licensed
2. Wear protective gear -- all the gear, all the time -- including a helmet manufactured to the standards set by the DOT
3. Ride unimpaired by alcohol or other drugs
4. Ride within your own skill limits
5. Be a lifelong learner by taking refresher rider courses

And last but not least the final tip to pay less premium if you really want to minimize the amount of premium a cruiser is cheaper to insure than a sports bike.