Completing a motorcycle safety course makes a lot of sense if you are a rider not only will it improve your motorcycle skills but it will also make you a safer rider. It may also help to trim the costs of your
motorcycle insurance off your monthly bill.
Motorcycle Safety Course Insurance Discount
All insurance companies offer and maintain different policies regarding motorcycle insurance discounts, but you'll find that almost all providers offer discount-incentives for
completing a motorcycle safety course. Depending on the provider, you can save up to 15% off your insurance premiums over a three year period.
Motorcycle Safety Course Enrollment
Checking with your insurance company to see if your course is from an approved program or school. Some schools may require a completion of a certificate from an approved program. Or if you reside in a state that mandates a motorcycle safety course (Califiornia for example requires enrollment for all riders younger than 21 years old), contact your DMV for a list of approved courses.
Always check with your insurance provider to recieve a discount for a completed course and make sure it is recognized by your insurance provider. You will not recieve credit if your course is not approved by the recognized by your provider.
Most schools offer two programs: beginner and expert. Classes depending on the school and state may last from two to three days.
Beginner Courses
This course teaches basics for beginning riders and you will need little or not experience to learn and maintain a motorcycle license. It will teach the basics such as:
posted by Jim Valek on
Fri., Dec 16th, 2011 in
Motorcycle Insurance
Safety
Insurance is a thing that you can't live without; it can signify security but it can also cause confusion if one does not know what is covered under the policies. As a motorcycle insurance specialist we would like to demystify the confusion that people have about motorcycle insurance and help support your decisions with real answers to help your decision.
Misconception: " Since I have health insurance then I do not need medical payment coverage on my motorcycle insurance policy."
Many people decline medical payment coverage or "Med Pay" because they have a
health insurance plan. They assume the medical expenses from a resulting injury will be covered by their insurance 100 percent.
Med Pay, which is optional in most stated, covers reasonable medical expenses (and also funeral expenses) if an accident were to occur regardless of whoever is at fault. It is typically secondary to an individual's health insurance but can become a primary mode of coverage if that person does not have health insurance of if they are getting help through Medicare or Medicaid. Med pay also helps with the out of pocket expenses that the health insurance plans normally do not cover such as deductibles and co-pays which can make expenses add up quickly. Coverage amounts can vary by state to state.
It is very important to evaluate your insurance needs and add optional coverage such as med pay before you have a problem with loosing your job and then ultimately your health insurance. Without med Pay there may be little option to recoup any of the lost medical bills from the accident.
Misconception " My credit history has nothing to do with my insurance premium"
It is a growing trend in the industry to use insurance scoring to determine an individual's insurance premiums rates and to predict an individuals likelihood of filing an insurance claim. Don't confuse an insurance score with a credit score. For example, income is not used in developing your insurance score although " responsibility type factors" may be used such as a person's credit card payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies foreclosures, ect.
Misconception: " Comprehensive and collision coverage are interchangeable."
Two of the more commonly used terms throughout the insurance industry are comprehensive and collision. People often think "comprehensive" covers everything when in fact it does not. Collision coverage provides protection for the physical damage that happens when your bike is hit by a vehicle or another car.
Because it doesn't always take two vehicles to create an accident, comprehensive coverage provides protection for damage not caused by collision and things like theft, fire, vandalism, weather damage, or hitting an animal.
You should know that while comprehensive and collision are both optional coverage, most lien holders do require them and for a very good reason. But a lien holder requirement is not the only reason to have comprehensive and collision coverage. Comprehensive and collision coverage are designed to help get you back on the road if you are involved in an accident. It is also important to note that the damage is done to someone else's vehicle or property would not be covered under collision and or comprehensive, but under liability coverage.
Misconception: " My Driving record has nothing to do with my motorcycle insurance"
When shopping for insurance for your bike, you will usually be asked to disclose any accidents and violations that you have had in the last 3 years. If you have had accidents then your premium will go up because you are more of a liability to insure.
These are all four of the misconceptions that our industry specialists are involved with on a day to day basis.
Please call Valek insurance for a motorcyle quote today.
posted by Jim Valek on
Fri., Dec 16th, 2011 in
Insurance
Motorcycle Insurance
