Money Saving Tips on your Motorcycle Insurance Coverage in Massachusetts

More and more, consumers want both convenience and advice from an expert.  Seek the counsel of your insurance agent when purchasing motorcycle insurance because being informed is key to having the coverage you need and a great price. Here are some tips to consider…

Be sure to review your motorcycle insurance coverage for the following:

  • Comprehensive physical damage insurance
  • Personal injury insurance
  • Collision insurance
  • Property damage liability insurance
  • Uninsured  motorist coverage
  • Underinsured motorist  coverage
  • Medical payments insurance
  • Accessory coverage
  • Motorcycle roadside assistance coverage

Ways you can save money on your motorcycle insurance:

  • Be sure to ask about discounts available to you, like mature rider, motorist group discount programs and multi-policy discounts
  • If you are sure that you never ride during certain periods of the year, for example, you don’t ride during the winter months, eliminate coverage for that portion of the year
  • Install an alarm system
  • Complete an advanced riding or motorcycle safety course

The Massachusetts Rider Education Program oversees a network of motorcycle safety schools which offer Motorcycle Safety Foundation approved courses in Boston, Woburn, and Framingham.  For a complete list of schools in Massachusetts goto http://www.massrmv.com/rmv/motorcycle/training.htm.

Some motorcycle safety tips to consider:

  • Use a combination of both brakes to maximize control and stop quicker in a shorter distance. Relying too much on only the front brake or rear brake can result in loss of control or excessive stopping distances
  • Look ahead at the road and traffic and avoid focusing on a particular target only
  • When riding in a group, be your own driver and make your own safety decisions
  • Develop smooth riding techniques and transitions. Being predictable will help the other motorists around you drive more safely too
  • Check your tire pressure frequently
  • Be aware of the road conditions and work areas. Pot holes and loose pavement are particularly dangerous
  • Be mindful of the current and impending weather conditions

Statistically, motorcycle riders are at a higher risk of accident and injury than car drivers. And with medical costs in Massachusetts out of control, an ambulance ride, emergency room visit, a few follow-up doctor visits and some physical therapy can often exceed $15,000, without mentioning hospital stays and prescriptions. Motorcyclists should be aware that motorcycle insurance premium prices reflect these risks and minimum coverage may not suffice.  Let us know if we can help.

Ride safely!

Guard Insurance Agency is a Trusted Choice independent insurance agency, representing multiple companies to get you the best price, offer individual attention in order to qualify you for all the discounts available, and of course, provide excellent service, voted Best of 2013, BestofSurveys.
Please be advised that insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent.

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