Are you looking for the best motorcycle insurance Ontario? Shopping is one of the best ways to save on motorcycle insurance. Instead of just settling for the first insurance cover you come across, you should take your time to compare options and determine which one is more suitable for your needs. The following are some ideas on how to save some money when purchasing motorcycle insurance.
One of the things you can do is join a club. Members of motorbike clubs sometimes get discounted rates. These clubs also a great way to compare notes with other bikers, get recommendations, and see who is paying what.
You can also save some money by getting infrequent rider discount. If you usually ride your bike only on the occasional sunny weekend, you can ask the insurance providers about discounts for part-time or occasional driver. Also ask about lowering the coverage as well as cost if you do not ride in the winter at all. In case you have a loan on the motorbike, however, the lender may require full coverage on it all year round.
Another thing you should consider when looking for the best motorcycle insurance Ontario is dropping full coverage. You have got to have liability insurance, which is the insurance that covers damage you do to other people and their property. However, if your bike is old or not worth much, you should consider dropping comprehensive and collision coverage, which is the coverage that pays for theft, vandalism, or damage to your motorcycle in case of an accident that is not your fault. The other person’s liability insurance cover should pay for damage that is their fault.