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Affordable Motorcycle Insurance For Canadians

Motorcycle insurance is very similar to automobile insurance. Motorcycle insurance is designed to protect you from financial losses that may occur as a result of owning and/or operating a motorcycle. If you intend to purchase or drive a motorcycle, you will need to acquire a basic minimum level of motorcycle insurance coverage. If you are caught without it, you will be subject to large fines, license suspension or even prosecution.

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Compare Motorcycle Insurance To Get The Best Rates

Motorcycle insurance usually protects against liability claims, property damage claims, and medical coverage. Property damage covers the theft or damage to your motorbike. Liability pays for your legal responsibility to others for property damage or injuries. Medical coverage pays for the cost of treating injuries, rehabilitation and occasionally lost wages or funeral expenses.

Insuring your motorcycle is a significant expense. We would like to make sure you are getting a competitive rate. We also wish to point out, the details of the coverage in any given policy will directly impact the premium offered. When comparing motorcycle insurance quotes, please be careful to compare policies with similar coverage specifications. Some rules and guidelines vary between companies, but in general a smaller, less expensive bike will cost less to insure. Review our helpful hints to reduce your motorcycle premiums.

When the weather gets colder, frost appears and leaves change color, this is typically a good indication that motorcycle season is drawing to an end. The question then becomes, will you save money by canceling your policy during the winter months. Motorcycle use in Canada is seasonal, most companies will allow the premiums to be seasonally adjusted. Depending on your policy, you may not pay any premiums during the winter months, and the premium payments will be adjusted during the prime riding seasons, usually charged between March and October. Make sure you check with your insurance provider to determine the actual premium breakdown.

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Reduce Your Motorcycle Insurance Premiums

  •  Prove your loyalty by continuing your motorcycle coverage throughout the year. Canceling a policy after every motorbike season, then re-establishing in the spring will directly effect your premium.
  •     If you already have automobile insurance, your provider may also insure motorcycles. You maybe eligible for a multi coverage discount.
  •     Be aware. Certain models or styles of motorcycles are more expensive to insure. If you are looking for cost effective transportation be sure to check whether the type of motorbike you are considering has any additional surcharges associated with the coverage.
  •    Some insurance companies will offer a discount if you install an anti-theft device. There are many different styles of security available for motorcycles. Make sure you check with your insurance provider to find out which type of security will earn you a discount.
  •     Drive carefully. This may sound obvious, but tickets and accidents will increase your insurance premium.
  •     Increase your deductibles. A higher deductible will reduce your insurance premium. Consider the value of your bike and the cost of potential repairs, and raise your deductible to a level you can afford.
  •    Make sure you compare insurance quotes. Motorcycle insurance premiums will vary based on the  company. Get several quotes before you make a decision. Make sure to compare the same types of coverage and specifications with each insurance provider to determine which covergae to accept.

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