Month: November 2014

Motorcycles give you a driving experience that even the best supercar can’t touch. It is especially brilliant during the spring and winter, with the trees showing a wide variety of colors. Motorcycles cost considerably less than your average vehicle, but it’s sometimes hard to bring down your motorcycle insurance costs due to the riskier nature inherent in riding a motorcycle.

One of the ways that you can bring down your insurance costs is by consistently riding as safely as possible. A good driving history does a significant amount to bring down your insurance costs, whether you are picking up new insurance or you want to try to negotiate a better rate with your existing insurance company.

Motorcycle insurance mirrors the options available through standard car insurance. In Sherrelwood, CO, you are required to have liability coverage on your bike. However, that’s not the only coverage option you have available. You can also add in collision if you’d like your insurance company to cover damage to your vehicle even if you are at fault in an accident. This is a good option if you have a newer bike, and you don’t want to have to worry about whether or not the other driver has liability insurance that can cover the damage.

There’s also comprehensive insurance, which covers situations that aren’t covered under either liability or collision. A common coverage option for this insures your bike against damages related to theft or vandalism.

Want help in getting better, cheaper motorcycle insurance for your bike? Talk to our independent agents in Sherrelwood, CO or use our free quotes tool to find out your options.

The water is simply calling for your personal watercraft, and you pull out the jet ski to enjoy the waters in Welby, CO. While you’re out on the water, you end up getting into an accident that isn’t covered by anyone but yourself because you didn’t hold insurance on your personal watercraft. While you aren’t legally required to hold this insurance in Colorado, failing to look into your options results in a lot of time and money lost that you don’t want to deal with.

The type of insurance offered by jet ski insurance agents depends on the company that you choose. The basic coverage includes liability, and often underinsured or uninsured boater protection. Many boaters choose not to cover their crafts with insurance as a way to save money, or simply because they aren’t aware that it exists. When you run into that situation, it’s frustrating because you’re out the repair costs or medical bill money.

Another type of coverage offered with jet ski insurance is towing coverage. If you end up getting stuck on the water, getting a tow back in to shore can be an expensive endeavor. The insurance allows you to get a tow back in without having to stress about the cost.

You only really get paid out from insurance when someone else hits you if it’s entirely their fault. If you want to not play the guessing game so you can get your jet ski back out on the water quickly, take a look at collision insurance. This covers any collision damage on your jet ski so you can have it back out on the water as quickly as possible.