Protect Your Motorcycle with Insurance Joliet

by | Sep 21, 2012 | Automotive

There’s something about a motorcycle that is special. For some reason when you’re riding your motorcycle, even on a short trip into Joliet to get groceries, it’s natural to experience a sense of freedom that’s stronger than anything you feel while commuting by car. The thing that you need to remember is that you need to have insurance Joliet on your motorcycle, the same way you need to have a policy for the cars you own. Illinois state law requires that all bikes on the public roads must be properly insured. Getting caught riding your motorcycle when it’s not properly insured could result in a hefty fine as well as having the bike impounded.

The good thing about getting motorcycle insurance Joliet on your bike tends to be a lot simpler than getting auto insurance.

Before you even start to collect insurance quotes, you need to gather up information about your bike. You will need to know how old the bike is and the make/model. This combined with your driver’s license number will be enough for the insurance companies to start putting together an estimate. Keep in mind that while collecting estimates, you’re going to be getting a very generic figure, and it won’t be until the company has really checked out how you plan to use your bike and your driving records that you’ll get the actual monthly cost of your bike insurance.

Just like with your car insurance, you should be able to qualify for some discounts if you have multiple insurance policies with the same company, or if you need to insure more than one bike. A clean driving record goes a long way to insure that you never pay too much for motorcycle insurance Joliet.

Living in Illinois means you won’t be able to ride your bike year round. The Joliet road conditions during the winter months are way too dangerous. Instead of paying for full motorcycle Joliet coverage year round, once the weather gets too bitter for you to ride comfortably you will want to switch over to storage insurance. Ideally nothing should happen to your ride while you have it stored, but sometimes bad things happen. If something goes wrong and your bike does get damaged while sitting in your garage or in a paid storage unit, you won’t have to worry about paying for the damages out of your own pocket. If you’re still making loan payments on your bike, the banks require you keep storage insurance on it during the months when it can’t be ridden. When the weather starts warming up and you feel that it’s time to dust the cobwebs off your motorcycle and take it for a ride, you should be able to make a quick call to your insurance Joliet agent to get the full insurance reinstated.

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