Motorcycle Insurance Current Rates, News & Information

Drunk Driving and Motorcycle Deaths on the Decline

Posted in Auto Insurance , Motorcycle Insurance

November 19th, 2009
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Since the financial crisis, California was hit hard economically and seemed to bear no good news; however, recently, the Governors Highway Safety Association announced that drunken-driving and motorcycle fatalities were falling in the state – which is good news indeed.

For 2008, there were 1,112 people killed in California by drunk drivers and 198 in drunken motorcycle deaths. These numbers show a significant decline from 2007 where 1,491 people were killed by drunk drivers and 264 people died in motorcycle crashes. This could result in steep motorcycle insurance rates for many riders.

There are a number of reasons being attributed to the decline in deaths:

• Fewer drinking events: Due to the economy, many people are said to be limiting their optional trips, including hitting the bars. As a result, more people seem to be drinking at home, decreasing the number of drunk drivers on the road.
• Tougher laws: Another reason for the decline in deaths is the tougher laws that penalize drunk drivers harder financially and may even with jail time.
• Higher insurance rates: With each drunk driving infraction, a driver’s auto insurance rates will skyrocket, deterring many from hitting the roads after drinking.

Authorities in California suggest that rather than drive drunk, it’s always better to designate a sober driver for your events or call a cab. Dunk driving could easily result in increased auto insurance rates. But much worse is the thought of killing an innocent person because you decided to drive irresponsibly.

Motorcycle Insurance Basics

Posted in Auto Insurance , Motorcycle Insurance

August 18th, 2009
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Many people are fighting the rising cost of gasoline by purchasing two wheeled transportation as they use less fuel. Although a great way to save at the pump, motorcycle ownership comes complete with its own set of rules and laws that dictate the type and amount of insurance that you’ll need. Similar to auto insurance laws, basic rules are determined by the state the vehicle is registered in and varies accordingly.

Most states require that a a level ofliability insurance is present to legally operate a motorcycle. Liability insurance is the most affordable of insurance so that won’t set you back much. However, if you financed the purchase of your motorcycle, chances are the lender will require that you have a level of coverage in place to ensure that you can pay back the loan if the vehicle is destroyed in a collision.

In general, a good motorcycle insurance policy is comprised of three parts: liability, comprehensive and collision. The amount you pay for the monthly premiums varies on a whole slew of factors including the bike being insured (including engine size, brand, etc.) where you live, your riding history and the years you have been licensed. Those factors make the cost of the insurance fluctuate greatly.

The most important thing to remember when selecting a motorcycle insurance policy is to make sure you get enough coverage to make you whole again in case your bike gets totaled or to protect other assets you have. The most basic thing to remember is that motorcycle insurance is similar to auto insurance in its overall goal, so as a consumer, you need to select wisely.

And make sure you’re always being alert and cautious on the road. Happy riding!

GEICO Becomes Title Sponsor Of AMA EnduroCross

Posted in Geico , Motorcycle Insurance

June 26th, 2009
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Known for humorous commercials and providing insurance coverage for motorcycle and action sports participants, GEICO has recently inked a deal to become the title sponsor of the AMA EnduroCross. The high-risk sport is an off road racing event on a course that includes sand, mud, water, rocks and giant tires.

The EnduroCross Championship Series is scheduled to open July 25 at the Las Vegas’ Orleans Arena. Additional tour stops include Oklahoma, South Carolina, Ohio and Colorado. The GEICO insurance sponsored event will make a complete circle and conclude back at the Las Vegas’ Orleans Arena.

The promotional arrangement between GEIGO and AMA EnduroCross was a natural match. According to Eric Vaden of GEICO Powersports Marketing, “GEICO Powersports is not only the title sponsor of EnduroCross, but we’re also one of the big fans of the sport. We’ll be right there as part of the audience, cheering on these amazing athletes and the miraculous ways in which they pilot their motorcycles through the unforgiving terrain on a GEICO Powersports EnduroCross track.”

This sponsorship arrangement should have no affect on the GEICO insurance rates enjoyed by policyholders. For the best motorcycle insurance rates, including those from GEICO, visit Go Insurance Rates often as rates change frequently.

Motorcycle Insurance Coverage

Posted in Auto Insurance , Compare Auto Insurance , Motorcycle Insurance

January 15th, 2009
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People who own motorcycles need to find the best, most affordable motorcycle insurance that they can. As everyone knows, riding a motorcycle is a lot more dangerous than driving a regular car but thats not because motorcyclists are less careful than automobile drivers. Its because automobile drivers often fail to see someone on a motorcycle, and then an accident occurs.

For example, if youre riding a motorcycle through rush hour traffic on any major freeway, youre going to take advantage of your ability to zip past everyone else who is stopped. Youre going to maneuver through areas where cars simply cant go. But that means that other drivers wont be expecting you, and may make a move that results in an accident. Thats why motorcycle riders, whether theyre in it for the thrill of the open road or are recent converts because of out-of-control gas prices, need to find affordable, quality motorcycle insurance.

How do I Acquire Motorcycle Insurance?

There are dozens of insurance companies out there offering motorcycle insurance. You can go through the phone book to find a policy provider, or you can search the internet for motorcycle insurance and see what comes up. Once youve done some research, pick the insurance company that seems best for your individual needs, and then either call or submit an online form in order to get a rate quote. Youll soon be contacted by a specialist who will walk you through the process of acquiring motorcycle insurance. Motorcycle insurance can be as thorough as youd like it to be but remember, the more coverage you opt for, the more youre going to pay. Whether you want to get as much coverage as possible or pay as little each month as you can, the choice is up to you. But all states in the nation and most foreign countries, too require riders to have motorcycle insurance that at minimum will cover the costs of being involved in an accident.