The motorcycle is one of the top choices when it comes to what consumers prefer in transportation. It is easy, reliable, cost-effective, and of course cheap. Motorcycles are also pretty convenient because it is not high-maintenance and fuel price is not that expensive compared to cars. No wonder a lot are kind of bewitched not only by its long list of advantages but also by the joy or pleasure it brings to people when driving, the way it makes a lot of people come together for certain causes, and how it eases the way we travel. Motorcycles are no longer used plainly for travelling but it has been used for commercial purposes, cruising, long-distance riding, off-road riding, and other sports-related events like motocross and racing. Since being invented by Hilderbrand and Wolfmuller in 1894, the motorcycle has undergone various and progressive changes through its decades-long presence in the world. Although much popularized and primarily invented in Western countries, motorcycles are mostly found in Easter countries including those from Southeast Asia, the Philippines being one of the top consumers of motorcycles. According to a market research in the year 2014, even the top and widely trusted motorcycle companies and/or manufacturers came from Asia. Japan housed Honda and Yamaha, two of the most competitive and biggest motorcycle manufacturers in the world. While in India, it has its famed Hero Motocorp serving as one of their top choices. The extremely high number of motorcycles in these countries can be explained through a country’s economic standing and power of money. Because of low price point and even lower fuel cost, motorcycles are not considered by these countries as luxury but a necessity. In the Philippines alone, motorcycles that are sold and registered are increasing exponentially everyday due these motorcycles are used not only for personal reasons but also for business purposes.
As for the western countries, the USA does not lag behind when it comes to buying motorcycles. Each day, the traffic keeps on getting worse. Cars clogged down even in the most biggest and well-kept super highways. That is why some Americans are starting to have their own motorcycles because they are convenient in the roads. In fact, there are 8,410,255 registered motorcycles as posted in the records of the Department of Transportation. These numbers account for private individuals and commercial/business entities. There is a long list of reasons as to why people choose to have a motorcycle. First of all, people buy motorcycles for uncomplicated and convenient travel. With a motorcycle, a driver can get away with traffic because he does not have to adjust its small size unlike a driver does in cars and also it is easy to park and will not have to occupy big spaces in a typical parking lot. Second, learning how to drive a motorcycle is much easier than learning how to drive other types of vehicles like cars. You just have to find your balance and learn the system of the motorcycle and you are good to go! Third, for this reason, it involves now the kind of effect driving a motorcycle brings to people. Some would say that they were like in a “zen” state while driving, while others are enjoying the freedom, steering or should it be said gearing away from the claustrophobic protection of a car. People enjoy in a risk. And riding a motorcycle is a risk. As you drive, you are being exposed to the environment, complete with the harmful effects from the sun, dirty emission from other vehicles, and a very accident-prone mode. One mishap, for example, a flat tire while driving or losing balance, can cause serious accidents, leaving the driver with injuries and sometimes death. But people disregard this and just try to seize the moment and follow the rules of the road and in driving for a safety ride. While it is easy now to just hop in drive, one should not be ignorant of the pertinent reminders when it comes to riding a motorcycle. A driver should of course have an appropriate license and at the same time mastered how to drive the vehicle. You do not want yourself being embarrassed in the road or worse have yourself injuries by practicing in the real scenario. Also, as mentioned above, there are rules to be followed in driving and these should be observed at all times. You do not like being able to face jail time and spoil your moment. Although these rules can sometimes be pesky, these rules are actually made for a drive’s safety so always keep them in mind. Another thing to remember before turning on that cool engine is that you have to look the part while driving. Unlike in cars where you can wear anything (or even nothing because no one can see you, unless of course if it is not tinted) from pajamas with slippers on, in driving a motorcycle, you have to have that full gear on. J2W clothing provides motorcycle rides for men and drivers alike across the America to the world motorcycle clothing and motorcycle apparel fit for that budding driving like you. With products ranging from full womenswear and menswear, accessories, a trendy motorcycle long sleeve, to hosting the famed biker community in the US, J2W clothing has it all. Note that having a complete gear when driving is not entirely about fashion; it is more on protecting yourself from any dangers from the environment and for keeping you safe from injuries should an accident transpire.
To sum it all it, motorcycles bring comfort, good and easy design, durable engine, reliable speed, etc. making it totally irresistible to the masses. However, with all these joys and perks, one should remember that getting yourself protected is not always about you; it means something bigger. Getting protected or in a professional way, getting yourself insured, means making yourself, your family, and your vehicle like motorcycle protected during times of tragedy caused by human error or machine failure. That is why before you go full throttle, have yourself and your motorcycle also insured.
Here are the top 10 important questions about motorcycle insurance:
Do you need insurance for motorcycle?
People’s perception about insurance has changed over time. Before, insurance is somewhat like a luxury and a lot have apprehensions over it because they do not know much about it. However, because of financial literacy, many people are beginning to get insurance to ensure that safety of their wealth among other reasons. In the same way, if you have a motorcycle, it is best to have an insurance to cover it. There are a lot of risks when you own a motorcycle. Sometimes its size small size and due to its speed, other drivers especially those who drive trucks will not be able to see it coming that is why accidents happen. As for the balancing, one slight mistake can lead to accidents. A helmet is the only major protection a driver can have unlike when you are in a car where you have seatbelt and airbag, thus making it extremely dangerous to drive a motorcycle. It is also easier for criminals to steal motorcycles. These top reasons should be taken in consideration as to why there is a high need to get insurance to cover your precious ride. If your motorcycle is insured, then you do not have to worry if there are unwanted accidents and other catastrophic events to happen.
What are the typical motorcycle insurance cost rates?
One of the major perceptions of people when it comes to insurance is that they view it as very costly. Insurance can be really costly; however, it will be worth it. For motorcycle insurance, typical insurance cost rates vary from one place to another, the type of insurance policy, and the kind of company that offers it. Of course, the rates for motorcycle insurance are way lower than the rates for a car. Typically, a motorcycle insurance can range from 100 dollars to 400 dollar a year. This will still depend on the coverage of your insurance so it is best to consult financial or insurance experts because there are still chances that you can get an insurance at a lower price.
Is it legal to ride a motorcycle without insurance?
A policy about requiring drivers to have an insurance for their motorcycle varies from one state to another in the USA or from one country to another. For instance, in California, it is highly illegal to drive a motorcycle without an insurance. This law is not actually an oppressive one because it will help drivers should an accident occur. The State of California requires an insurance to cover a motorcycle because the state wants to ensure that riders will be able to pay injuries and most of the time damages that they might cause to others in times of accidents.
What are the California motorcycle insurance laws?
According to California laws, all types of vehicles must be registered and must be covered by an appropriate insurance policy so as to help drivers when it comes to paying damages or injuries during accidents, thus granting both parties the right to seek financial compensation. The law also states that a driver cannot just take a simple insurance policy because there is a required insurance policy, the one that has a liability insurance coverage. In this type of policy, the insurance will cover any body injury and property damage due to some reasons when driving. It is important to remember that when driving in California, a driver must have a proof of insurance, and in the event that the driver is driving without it, the motorcycle can be impounded. Also, when you do not have an insurance, the law states that you do not have the right demand a compensation should an accident occur.
What are the best motorcycle insurance plans in California?
There are a lot of companies in California that offer insurance plans that abide by the law. In order to determine which companies offer the best insurance plans, their insurance policy must cover collision, comprehensive, liability, medical pays, among others. Topping the list would be “Esurance.” With a monthly cost of 18 dollars to an upgraded 56 dollars per month, Esurance offers the cheapest among all the insurance providers in California. Not only is the pricing that makes Esurance good but also the company offers convenient services to its customers. They have an app which will come in handy when filing for claims, in updating policy information, etc. and a comprehensive website for references. Other companies such as Progressive and Markel came in second and third spots, respectively. It is important to check an insurance policy and determine which company offers it best.
How can one renew his bike insurance?
Nowadays, in the advent of a highly technological world, anyone can renew his bike insurance in just a few clicks. The top 10 motorcycle rides and the most popular street bikes should have an insurance. Good thing most of the insurance companies in the USA have their own websites and phone applications. In this way, their customers will no longer have to go to their offices when doing transactions like renewing a bike insurance. To renew a bike insurance policy, all you have to do is to go to the website and fill out the available form for renewal. All the necessary information must be entered correctly to avoid any problems. If some policy details are needed, then you have to have your old policy details by your side. Then, a payment will be needed so you have to pay online using any debit or credit card available. A downloadable new insurance policy copy will be available and all you have to do is print it. This process is also the same when you do a transaction via a phone app. However, if you have apprehensions with an online transaction, you can go directly to the main office and have their customer service representative assist you in renewing your insurance policy.
What are the best full coverage motorcycle insurance plans?
As being said above, there are a plethora of insurance companies offering so many insurance policies in the USA. There are companies who stand out for their pricing; however, there are those who stand out because they have the best full coverage motorcycle insurance plans. One company that stood out is Progressive insurance company. Their insurance plans aside from being affordable cover a wider range that some companies are only offering as an additional cost, an add-on, and sometimes not offered at all. At Progressive, their insurance policy includes full replacement cost that is without depreciation, an offering of original and custom manufacturer parts, a 3000 dollar coverage that is inclusive of any upgrade, customization, and other accessories.
What is the claim process in motorcycle insurance?
The claiming process in motorcycle insurance has become easier thanks to technological advancements. In times where the driver had an accident and the motorcycle has been extremely damaged, it was stolen, or the driver himself has been severely injured, it is important to have an agent who can file the claim on your behalf. However, if the driver can still do the filing, the first thing that he would do is to seek for help and get himself healed. Then, in the area where the accident happened or where your motorcycle was stolen, it is best to document everything in the scene. In the process, the first step would be the inspection; second, an adjuster will recommend what to do for the insurance company; third, the company will offer the settlement.
What is my motorcycle accident injury worth claim?
During accidents, having an insurance will surely ease the pain. The driver will no longer have to worry about bills. The worth of an insurance that will be claimed by the driver in case of an emergency differs. There are a lot of factors to consider as to how much will be given. One of these factors is determining the liabilities and the damages. For cases where there is no one at fault in both parties, then there is no payment; if someone is at fault, then that is the time a settlement provided by the insurance can be claimed. There is no definite or final amount for the claim because it would still vary depending on the case. So it is best for a driver to review his insurance policy and be guided accordingly.
Which is the best and cheapest two wheeler insurance company in California?
California has so many insurance companies because there is a growing market considering the fact that the state requires all motorists to have an insurance for their vehicles. As for market studies, the best and cheapest two wheeler insurance company in California is Markel. The insurance policy at Markel covers a wide range in a very affordable price point, even 75 percent less than others. The company offers a lot of coverage options to choose from.
Having your motorcycle and yourself insured is a must, not only because it is required by the law but also because it is the most wise thing to do. In times of need, an insured person will no longer have to worry so much because everything can be managed because of an insurance. A driver should always think before, during, and after driving. He or she must ensure that everything is protected because it is not only the right thing to do but also it is the best and wisest thing to do.
