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Insurance for Your Motorcycle

Aug 30, 2020
Motorcycle owners know how important it is to practice defensive driving and observe safety while out on the road. But this does not completely remove the possibility of an accident from happening, so motorcycle owners still need to consider their options in case an accident does occur. Motorcycle insurance coverage is thus a must, and there are no exceptions. This is particularly true for people who live in states that require bikers to have liability motorcycle insurance. Some states go one step further and even require personal injury protection.

Minimizing the Cost of Motorcycle Insurance

The price of motorcycle insurance is sometimes higher than other types of insurance, because mototcycles are considered higher risk compared to other vehicles. The principle is simple enough: drivers of a car are protected by a steel cage, a seat belt, and an airbag so they are more likely to survive a head on collision compared to a motorcycle driver. The extent of injuries tend to be worse in a motorcycle accident.


 

This is backed by statistics – the National Highway Safety Administration reveals that motorcyclists have a higher fatality rate compared to passengers of a car, and that the number of motorcyclists being injured has been rising since 2007.





So if you want to lower the cost of your motorcycle insurance, you should consider the following tips:

Take Advantage of Seasonal Policies

There are motorcycle owners who don’t use their bikes all year-round. If you fall in this category, you can save a huge amount by only insuring your motorcycle during the times of the year when it is in use. Check with your insurer if they offer seasonal policies.

Take a Motorcycle Safety Course

This is not meant to insult your driving ability. Even if you already know your bike and can ride it even with your eyes closed, it is still a good idea to take a motorcycle safety course. This is because some insurance companies appreciate it when the bike owners make an effort to ensure their own safety, and as such are willing to give discounts or lower rates to motorcycle owners who are regularly brushing up on their driving and safety skills.

Increase Your Deductibles

Deductibles are the amount that you have to pay before the coverage kicks in. Insurance companies will provide lower premiums if you have higher deductibles. Since you are not planning on getting into an accident, the deductibles are usually safe to increase. Make sure that you can actually absorb the amount of deductible you choose, in case you get into the worst-case scenario.

Get Multiple Vehicle Discounts

If you have more than one bike or you live with someone who owns a motorcycle as well, you should talk to your insurance agent and see if they offer a multiple vehicle discount. You can then split the premium with your housemate. You can also do the alternative, which is to get your motorcycle and home insurance from the same company. They will be more than willing to give you a discount for the added business.

Home Insurance Claims: What to Do After a Disaster Strikes

By Jerry Smith • 19 Feb, 2024
When a disaster strikes, whether it's a fire, storm, or burglary, your home and belongings can suffer significant damage. In such unfortunate circumstances, knowing what to do after a disaster is crucial. This blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly.

AUTO INSURANCE ADD-ONS: EXPLORING ADDITIONAL COVERAGE OPTIONS

By Jerry Smith • 26 Oct, 2023
When it comes to auto insurance, there are essential coverage options to protect you and your vehicle. However, you can also enhance your policy with additional add-ons that provide extra layers of protection and peace of mind. In this blog post, we will delve into the various add-ons and additional coverage options available for auto insurance. From roadside assistance to rental car coverage, we'll explore these options that can make a significant difference in times of need.

Life insurance is a valuable investment

By Jerry Smith • 30 May, 2023
Life insurance is a valuable investment that provides your loved ones with financial security and peace of mind. Most people think of life insurance as a way to provide for their family in the event of their untimely death. However, life insurance can be used in a variety of ways beyond just protecting your family's future.

Understanding Umbrella Insurance: What It Is and Who Needs It

By Jerry Smith • 06 Apr, 2023
When it comes to protecting your assets and finances, having adequate insurance coverage is essential. While most people are familiar with auto, home, and health insurance policies, there's another type of insurance that's often overlooked - umbrella insurance. In this post, we'll explain what umbrella insurance is, who needs it, and why it's important to consider.

Post-Pandemic Distracted Driving

02 Jul, 2022
Dangerous distracted driving continues across the U.S., and it might have increased in the busy post-pandemic period, as one new study shows. Commercial drivers are part of the problem, as well as a key to the solution, according to the trucking insurance company that performed the survey. Are you back to driving on the roads POST-PANDEMIC as part of your employment? If you are, you are most likely feeling STRESSED, PRESSURED and CONCERNED about meeting your employers’ expectations. Recent reports are showing that 30% of drivers are feeling more anxious and 54% of drivers are feeling distracted and aggressive while driving. A risk survey from Travelers suggest that work-related pressure might be leading to distracted driving. Expectations are high and so everyone is feeling pressured.  Here are some helpful ideas for employers and employees: Communicate with your boss. 68% of employers report that they have official driving/texting/phone usage policies in place. Find out the expectation. Encourage Best Practices. A full 56% of consumers admit to reading a text or email while driving. Decide before you get behind the wheel what you are going to do. Speak Up. Only 11% of passengers have actually spoken up to co-workers when they feel unsafe due to a driver’s distraction. Let your employer know what to expect. Lead by Example. Don’t call or text your employees when they are driving.

Are You a Small Business Owner?

05 Apr, 2022
If you are like us, we are grateful to be in business and have the opportunity to serve our community. General Insurance Services is always looking for opportunities to support other small business owners and we wanted to let you know that Mercury Insurance does too! Mercury proudly offers a variety of insurance protection specifically designed for business owners. Mercury has policies to help with your Commercial Auto, Apartments, Residential Condominium HOAs, Commercial Buildings, Restaurants and Small Businesses. The affordable insurance offered by Mercury offers best in class coverage and allows for peace of mind.  Working together, we can support each other. General Insurance has been serving the small business community over 75 years now. Let us know how we can help you.

Broken Pipe or Flooded Yard

21 Jan, 2022
Our neighbors work hard at maintaining the front yard of their property. It’s beautiful to look at and always decorated for the Holidays. Just after Christmas the yard was still decorated for Christmas but it was also filled with dirt, pipes, mud and a tractor. It was concerning.  We tried to help. We brought Dinner, helped take down the Christmas decorations and even helped level the ground once the broken pipe was located and repaired. It was an opportunity to be a good neighbor but we could have been a better neighbor if we had spoken to them earlier about the Service Line Protection Endorsement offered by Mercury with their Homeowners Policy. Did you know that it is Your responsibility to repair or replace any service lines on your property that connect with municipality lines when the damage occurs on your residence property? Did you also know that your Standard Homeowners Policy does not provide coverage for these lines and they can be costly to repair? Service Line Protection, a new enhancement to the Mercury homeowners policy offers coverage for service lines to the insured-owned, exterior and underground Water piping, Sewer piping, Ground loop piping, and power lines that provide electrical service. The best part is that it costs just a few $$ per month. Be a good neighbor, be a good homeowner, talk to us, your MERCURY AGENT about how we can help. Ask us about Service Line Protection.

Teen Drivers – Safety & Savings

21 Jan, 2022
There’s a lot to think about when teens begin to drive. As local insurance agents and the parents of 7 children we know a little about the best way to help those teens get safely on the road. Mercury has given us a few tips to consider when teens get behind the wheel. Establish a pre-start car routine that includes adjusting mirrors and driving position. Practice. Practice. Practice. Keep calm. Talk to your teen as you drive. Burgers, Instagram, texting and anything else that can distract you while driving can wait. Go to drivesafe.mercuryinsurance.com to learn more. If you are looking to keep your teen safe AND save money here are a few more tips. Teens can do their part by doing well in school and maintaining a 3.0 grade point average or better. No tickets, no accidents Drive a vehicle with a smaller engine Enroll in a driving class Bundle your policies to get a discount Reduce the number of miles you drive Increase your deductible to lower your premium; and Install an anti-theft security system on your vehicle. As your local Mercury agent, we can help you find out what it will cost to insure your teen. Give us a call and let General Insurance Services help you, and them, get started 949-661-2201

What Can We Do For You?

By Jerry Smith • 05 Sep, 2021
What Can We Do For You? We Have 2 Main Objectives in Our Office: 1) To be of service to you. 2) To match your insurance needs to the best policy available at the best price available. We are a multi-generational family owned Insurance agency. Barbara’s father, Herb Brown started the business in 1947 in the basement of Barbara’s childhood home wth the same two objectives. We would love the opportunity to show you why we are still in business nearly 75 years later. Give us a call at 949) 661-2201 and you will always reach us directly if you call M-F between 8:30 A.M – 5:30 P.M. You can also see more of our story on our web site www.gen-ins.com

Vehicle Safety Tip

26 Feb, 2021
Vehicle Safety Tip This is a simple one and will take less than 5 minutes to complete. When you are done you will have one less thing to worry about! Want To Try It? Get a penny, place it Head First into your tire several tread grooves towards the center. If you see the top of Lincoln’s head, your tread is shallow and worn. It is Time to replace your tires. If part of Lincoln’s head is covered by the tread, you have depth remaining and can wait a few months to try the test again. Easy! One less thing to worry about. Now you have extra time to call us and see what we can do to save you money on your Auto Insurance. We would love to talk to you, we have been in business almost 75 years and we are good at what we do. Callus at (949) 661-2201.
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