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    Author / Kirk Harrington

    How To Make An Insurance Claim

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    Kirk Harrington March 21, 2013 1

    It’s safe to say most motorcyclists dread the claims process. Claims are a hassle. Most people simply do not want to understand the claims process.

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    What Insurers And Agents Aren’t Telling You

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    Kirk Harrington March 21, 2013 0

    Since you are paying money out every year for your motorcycle insurance, you would be wise to keep in semi-regular contact with your insurance

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    How Motorcycle Type, Age and Location Affect Insurance Cost

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    Kirk Harrington March 21, 2013 0

    Motorcycle insurance rates can vary drastically depending on a number of factors. Three big ones are the type of bike you own, your age and where

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    You May Have More Coverage Than You Think

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    Kirk Harrington March 21, 2013 1

    Most people know how much Liability, Uninsured Motorist, and Comprehensive and Collision coverage they’ve got. However, you may be covered for

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    Understanding Comprehensive Collision Coverage

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    Kirk Harrington March 19, 2013 0

    In most cases, comprehensive coverage has deductibles from $0 to $1000. As you would expect, premiums go up when you choose a lower deductible.

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    Why Uninsured And Underinsured Motorist Coverage Is Important

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    Kirk Harrington March 19, 2013 0

    In a perfect world every motorist would have full coverage to cover any damage they cause in an accident. Unfortunately, this just is not the case.

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    How Property Damage Coverage Works

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    Kirk Harrington March 19, 2013 0

    After looking at the Bodily Injury component of Liability Coverage in a previous

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    Casualty Liability Coverage Explained

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    Kirk Harrington March 19, 2013 0

    Simply put, liability coverage is for the benefit of others. No matter if you’re riding a sportbike, vintage motorcycle, constructed motorcycle

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    Top 10View all Top 10

    Top 10 Months For Motorcycle Theft

    Top 10 Months For Motorcycle Theft
    For calendar year 2011, the National Insurance Crime Bureau tracked a number of statistics regarding motorcycle theft, including the top 10 stolen brands and the top 10 states for theft. Those lists can be found elsewhere on this site. Here, we list the top 10 months for motorcycle theft based on the NICB findings. In ascending order, they are:

    Top 10 Most Expensive Motorcycles To Insure

    Top 10 Most Expensive Motorcycles To Insure
    Recently, we published a story on the least expensive motorcycles to insure. In it, the bikes were broken down by category, knowing that consumers aren’t interested in a list entirely of small-displacement beginner bikes. We also kept the list to current models (2013 in this case) available in the United States. This time we’re going the other direction. Here we have the Top Ten most expensive motorcycles to insure. Yes, we could have listed ten uber-expensive and super-rare motorcycles which cost a fortune to insure, but in the name of practicality this list is comprised of mass produced 2013 models the majority of folks can actually buy. Again, we averaged quotes from different insurance providers to come up with our rankings. Our fictitious rider is a 30 year-old male, licensed for ten years, with a clean record living in Los Angeles. As always, shop around with your own and other insurance providers to get rate quotes tailored for you and your situation.

    Top 10 States for Motorcycle Theft

    Top 10 States for Motorcycle Theft
    Where you live is one of the most important factors insurance companies use in determining your premium. Why? As with age, experience, the type of bike you ride and every other factor considered in computing your rate, where you live comes into the equation for one simple reason: risk. Statistics show that some areas have higher crime rates than others. So if a higher crime rate equals a higher risk of damage to or loss of your property, it will cost you more to insure anything you own. And that includes your motorcycle. If your motorcycle resides in a location where statistics prove it’s at a greater risk for damage or theft, insurance companies are going to want you to pay a higher premium for coverage. Overall, 2011 saw 46,667 motorcycle thefts in the US (including Puerto Rico and Washington D.C.), according to the National Insurance Crime Bureau (NICB). Interestingly, that number is down 6% from the prior year – welcome news, as the Motorcycle Industry Council says total motorcycle sales are on the rise, albeit slightly (0.3%). The list below shows the Top 10 states with the highest rate of motorcycle theft in 2011 (Total number of thefts and most targeted brand in parentheses). Worth noting: these 10 states accounted for 25,983 thefts in 2011 – fully 56% of the total. If you’re trying to insure a bike in one of these states, expect to pay more. Still, experts say things like keeping your motorcycle garaged and hooking up a recovery system such as LoJack will have a positive effect on your premium.

    Top 10 Cheapest Motorcycles To Insure

    Top 10 Cheapest Motorcycles To Insure
    Motorcycle insurance is a slippery subject. With so many options for coverage, it’s hard to keep track of every kind of policy. However, if you live in the States you gotta have at least bodily injury and property damage liability coverage before legally operating your motorcycle. But getting insurance doesn’t have to break the bank.

    Insurance Costs

    Top Rated Beginner Bikes

    1. Honda Rebel

           
      Honda Rebel - Rated 5 out of 5 for Beginner Bike Insurance
    2. Honda CB500X

           
      Honda CB500X - Rated 4.5 out of 5 for Beginner Bike Insurance

    Top Rated Sportbikes

    1. Triumph Daytona 675

           
      Triumph Daytona 675 - Rated 5 out of 5 for Sportbike Insurance
    2. Kawasaki ZX-10R

           
      Kawasaki ZX-10R - Rated 4.5 out of 5 for Sportbike Insurance

    Top Rated Cruisers

    1. Suzuki Boulevard S40

           
      Suzuki Boulevard S40 - Rated 5 out of 5 for Cruisers Insurance
    2. Kawasaki Vulcan 900 Classic

           
      Kawasaki Vulcan 900 Classic - Rated 4.5 out of 5 Cruisers Insurance
    Motorcycle.com
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