Your motorcycle is at risk for damage even when it’s parked in storage for a few months a year. You may require liability coverage and insurance policies that cover you from damages or lawsuits should an accident occur or something happens to your bike. This is why it’s not necessarily the best idea for you to cancel your insurance policy in the winter and when your bike’s in the shed.
You can never be too safe on the road, especially if you’re driving a motorcycle. Apart from being exposed to the elements, there’s less protection when you’re involved in a crash. The latest data from the National Highway Traffic Safety Administration (NHSTA) shows that over 5,286 Americans lost their lives in a motorcycle crash in 2016. This is a 5.1% increase from 2015’s fatalities of about 5,029. The NHSTA also added that motorcycle deaths were about 28 times more frequent than deaths from other vehicles, based on 2016 data.
Though you may think that they are purchased more for aesthetics, gloves are essential in motorcycle safety. If you ever find yourself in an accident, no matter the magnitude, breaking a fall with your bare palms on concrete or asphalt will leave you with painful gashes. There are different types of gloves you can get depending on your budget and the weather.
In choosing what auto insurance to purchase, you may be tempted to reduce your expenses by looking for an auto insurance with the lower amount of coverage or by raising your deductibles. While these two factors obviously affect car insurance costs, there are other considerations, some of which are not under your control, that can impact the price of auto insurance premiums.
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Drivewise: Allstate rewards you with up to a 3% discount just for using its Drivewise app, which analyzes your speed and braking behavior, as well as what time of day you drive. You can earn an additional 15% back after your first 50 trips and every six months you drive safely afterward, and earn rewards points toward shopping discounts. Even non-customers can sign up for the rewards points program, but it’s not available in every state.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.