Getting your first motorcycle as a teen is exhilarating. With a bike, you gain a whole new kind of freedom and independence. But before you hit the road, there are some crucial things you should know about getting the right protection for you and your bike. After all, treating your motorcycle right from the start will ensure that it stays with you on the road for years to come. Get started by reading up on these tips for young, first-time motorcycle owners who are buying insurance.
Checking Motorcycle Insurance Laws
For most teens and parents, the priority is getting the cheapest motorcycle insurance that will allow a teen to ride. But while there’s something to be said for saving money, it’s important that the insurance you get adheres to your state insurance laws. In general, this is not an issue if you deal with a major insurance carrier, but should you elect to deal with a local group, you should verify that their insurance is compliant with all legal statutes before you turn in the first premium.
Choosing Motorcycle Insurance for Teens
Before you purchase motorcycle insurance coverage, it is in your best interest to research potential carriers to find out which has the right policy and services for you. While specific insurance coverage doesn’t tend to vary by insurance company, the customer service experience will. Once you know the level of insurance your state requires you to meet, choose the insurance provider that gives teens not only the coverage they require, but the help and service they need to get through the process of buying insurance, filing a claim, and answering any questions that come up along the way. Also remember that not all plans cover all types of bikes, so make sure you choose the right coverage for your specific kind of motorcycle.
Paying for a Teen’s Insurance
The decision about this aspect of motorcycle insurance is up to individual families. Whether the parents and teen choose to split the cost of insurance or one party pays for the entire amount of coverage, it’s best to figure out a payment plan ahead of time. If convenience is your main concern, look into providers that allow customized payment plans, as well as easy ways to pay like pay-by-text-message or debit card payments.
Filing a Claim After an Accident
Dealing with a motorcycle accident, no matter how serious or small, can be very frustrating; and as a teen, dealing with your first accident can even be scary. Once you and the other party have recovered from the accident, make sure you report the incident to the police right away and gather certain details about the accident. For example, you should exchange names, addresses, phone numbers, and insurance information with the other person; make note of their license plate number and type of vehicle; and note any type of medical assistance that was administered. If you have a smartphone with you, it may also be a good idea to take some pictures of the site for later reference. When it comes time to file a claim, whether you’re in a fender bender or something more serious, you’ll need to call your insurance company as soon as you can after the accident. When you talk to your insurer, recall as many details as you can.\
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Are you a teen (or the parent of one) with questions about getting motorcycle insurance for the first time? Call or come in to speak with a Direct Auto agent!