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- Why do you need insurance for your motorcycle?
- You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- * If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
* If you or a passenger is injured in an accident, medical costs can be extremely expensive.
* If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
* Your motorcycle may be one of your most prized possessions. It deserves special protection.
- Things to consider and questions to ask your agent
- Your Independent Yassa Agency Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
- Lowering the Cost
You Can Take Action to Lower Your Insurance Costs - How much you pay for insurance depends on many factors. Following the suggestions listed below may help you lower the cost of your insurance.
- Before you buy a motorcycle, check with your agent to see what it will cost to insure it. More expensive bikes cost more to repair, maintain and insure. The safety equipment you select may also save you money.
- Insure multiple policies with Yassa Agency. The more policies you have with a company, whether it's for your motorcycle, cars or home, the more substantial savings you may receive.
- Increase your deductible. By raising the amount you pay out-of-pocket for losses, you can save more on your motorcycle policy. Ask your agent to explain the trade-offs.
- Taking care and riding smart may also save money. If your motorcycle is stored in a garage, if you belong to certain rider groups or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation, you may qualify for discounts.
- Try to weed out overlapping insurance. If you have an excellent medical and disability plan at work, you might wish to reduce medical or personal injury coverage on all your policies, and save the difference. Ask your agent to explain the trade-offs.
- How you pay can also influence the price you pay. Yassa Agency's most convenient plan is the Checkless Payment Plan, where your monthly premium is deducted automatically from your checking account. You can also pay your entire premium in full either by check or credit card.
- Understanding Insurance Terms
How Collision Is Different Than ComprehensiveÑand Other Handy Information - We know the language used by the insurance industry can be confusing. That's why we want to make sure you clearly understand your options and know precisely what you're paying for. Here are the terms we use. (Most policies are a combination of several of these coverages.)
- These protect you and other people
- Liability Coverage
This coverage helps protect you from expenses related to injuries or property damage you or your motorcycle cause in an accident. In most states, Yassa Agency also covers Guest Passenger liability, which covers you in the event that a passenger is injured on the motorcycle. When choosing liability coverage, consider things like how much money you make and the property you own. Your liability coverage should be high enough to protect you if you are sued after an accident. - Medical Coverage
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident. - Uninsured/Underinsured Motorist Coverage
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver. It also covers you if you are hit as a pedestrian. - Roadside Assistance
Yassa Agency provides you with a roadside assistance benefit of up to $300 per breakdown. - These protect your motorcycle
- Collision Coverage
This coverage pays to repair the damage done to your motorcycle due to an accident. Your agent can help you determine the degree you need this coverage based on the value of your motorcycle. - Comprehensive Coverage
This coverage pays to repair or replace your motorcycle if it is stolen, vandalized or damaged in some way other than in a collision. - Custom Parts and Equipment
Many motorcycle owners like to customize their rides, and Yassa Agency's coverage pays for customized parts and equipment, often at no extra charge. Ask your agent for details.
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