When you get yourself an awesome motorcycle and have passed the exam along with the training class for a license, now it’s time to think about the right insurance coverage. It’s imperative to ride your bike with insurance so you can get covered based on accidents or any problems that might happen. That way, if something unexpected happens, you won’t be left with an empty piggy bank.
There is a variety of motorcycle insurance company out there, so it could be hard to choose which one is right for you. Luckily, we know which one is number one and legit, that is why we highly recommend progressive insurance. If you don’t believe us, we have all the information that you need to show you why progressive motorcycle insurance is the best coverage.
Progressive offers a variety of coverage for different people. They offer a liability only and full coverage for the riders. The important part is to determine what coverage matches with your needs.
Another thing to keep in mind is that the progressive insurance also offers some freebies such as full replacement cost with no depreciation, accessories and custom coverage, small accident forgiveness for up to $500, large accident forgiveness for up to $500, and OEM repair.
As for standard coverage, they offer a bodily injury and property damage, comp and collision, med pay, and uninsured and underinsured motorist. You can also have an add on coverage which includes total loss coverage, roadside assistant, carry content, enhance injury protection for up to $250 per week for two years, and disappearing deductibility.
How do I know which coverage to choose
Picking the right coverage depends on what you need. If your bike isn’t worth a lot, you don’t have a loan on it, and you don’t have a high income or have a lot of cash in hand, then you can try the minimum insurance coverage.
If you have an expensive bike, owe a lot of money in loans, and have some finances that you want to protect against any lawsuits, then you might want to go for the full coverage which includes both the collision and comprehensive coverage.
It’s also important to take on the uninsured motors and underinsured motorist coverage as well as the personal injury protection. The reason for this is that if you have ridden your motorcycle for a certain amount of time, then you know that most people don’t really notice you, and there are a certain number of drivers that commit to driving with little to no insurance at all. Another thing is that if you carry passengers on your motorcycle, then it’s best to get the guest passenger liability with you as well.
The progressive motorcycle insurance can go as low as $75 per year, but that’s usually the basic policy. This might work for some people, but not for all. Therefore, there are a lot of factors that contribute to the cost of insurance. Keep in mind that no matter how many discounts that insurance can give you, but it’s the starting rate that actually counts.
For example, a company can offer you 50% discount on $800 policy, but it’s still way more expensive than a $350 policy without any discount. Progressive tend to advertise their insurance policy in different avenues such as TV, Internet, and radio, so you know that they are a popular and reliable business.
Another thing is that they sell their coverage in both direct and through an independent insurance agent. If you purchase your insurance directly from progressive company, the cost can be significantly different than from a private independent agent or broker. This is why it’s best to shop around before you dedicate yourself to a certain price.
There are a variety of discounts for progressive motorcycle insurance program. They usually offer a discount as part of their premium rate structure. The first discount is the claims for the renewal. This means that if you make it through the policy with no insurance claim, then your next turn will be heavily discounted. However, there is no guarantee that your next premium is cheaper mainly because the insurance rates often increase as the policies are renewed.
Another one is the homeowner insurance where the premium individuals will pay a lower price if they own a home. The third one is the LoJack. This is where if the bike is stolen, and that there is a guarantee from LoJack that the bike will be found, then you can expect to pay less on your insurance.
This only works if you have purchased a comprehensive coverage. If you paid in full, then you can expect to save way more than if you were to pay on a monthly basis. The prompt premium program occurs only for individuals who pay their premiums on time for one year.
The responsible driver provides a discount if you go through the insurance policy without any accidents for over three years. The safety course program is where you earn a discount for completing a motorcycle safety course.
The experience rider discount provides a lower monthly payment if you can prove that you’ve been riding safely.
Basically, these discounts are there to reward people who are responsible, pay on time, and are safe riders. This is a way for progressive insurance to reward their clients.
With all these amazing coverage that progressive insurance can provide, it’s no wonder that they remain to be the number one motorcycle insurance company out there. They are practically everywhere, they can be found on social media, TV, and radio, so you know that they are reliable and trustworthy. Their mascot Flo is a phenomenon on TV advertisement. Her description and enthusiasm reflect the positivity of using Progressive as your primary insurance.
In fact, I trust a person over a gecko anytime, so say goodbye to Geico. Their coverage is highly affordable, but it depends on what you get. Plus, they reward their clients for driving safely, making payments on time, or even making a whole complete payment. Therefore, if you are choosing the perfect motorcycle insurance company, then you should look into using Progressive.
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