It’s been a hot summer! Too hot to enjoy a carefree afternoon on the open road with your bike. As you prepare your bike for the cooler rides of fall, it’s a good time to confirm that you’re taking full advantage of your motorcycle insurance to ensure your bike remains roadworthy. Read these tips to make sure your motorcycle coverage is in your favor:

• Check that your coverage is up to date: Although it sounds obvious, it’s good practice to double check your policy’s expiration date before beginning a period of intense driving. Please note that some insurers have reserve periods during seasonal changes when coverage may be restricted. If you like to travel in the colder months, check with your insurer to see if your policy contains similar limitations.
• Keep your policy up to date: Inform your insurer of any changes, such as additional passengers, a change of address, or the purchase of a new bicycle. A quick call will take care of these cases.
• Covers custom parts and equipment: If you installed chrome plating or gave your motorcycle a custom paint job, it will likely increase the value of your motorcycle. Be sure to add these upgrades to your policy to ensure comprehensive coverage in the event of theft or collision.
• Eliminate unnecessary coverage: Older bikes may not need as much coverage as you’re currently paying for. It is recommended that you consider dropping collision coverage if that premium equals ten percent of the market value of your motorcycle. In this case, it may be cheaper to pay for repairs out of pocket in the event of an accident than to continue paying the monthly collision premium.
• Increase your deductible: By raising your deductible to the maximum amount you can pay if you file a claim, your premiums will go down and you can save money every month.
• Check for discounts: Call your independent insurance agent to ask if you are eligible for any discounts that may be available. Remember that prices can vary a lot between companies. Your agent can shop around for you and review quote comparisons to make sure you’re getting the best deal.
• Specialization in motorcycle insurance: Some insurers specialize in motorcycle insurance. These companies understand your unique needs and offer specialized coverage designed for motorcyclists and their bikes. Ask your independent agent if one of these insurers is a good fit for you.

With the right policy, you can be sure that you and your bike are safe to enjoy those long fall rides. Visit us on our website for a free Oklahoma motorcycle insurance quote today!