What to Look For in a Motorcycle Insurance Policy
If you think your motorcycle is adequately covered when you add it through an endorsement on your automobile policy, chances are you're mistaken...a lesson that you don't want to learn first-hand come claim time. You need an insurance policy that offers the coverages that are important to your specific bike and lifestyle.

Here are some things to look for when choosing a specialized insurance policy for your motorcycle:

• Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident

• Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer

• Optional Towing and Roadside Assistance in case your bikes breaks down and can't be ridden when you're away from home because you run out of gas, get a flat, or have other mechanical issues

• Optional Replacement Cost Coverage on bikes purchased new and insured within 30 days

• Flexible payment plans so you can choose the plan that best fits your budget

• Deductible and coverage limit options

• Premium discounts

Doing Business With Your Insurance Company
When you have a loss, it's an inconvenience, so you want to be taken care of quickly and efficiently by adjusters who are courteous, helpful and knowledgeable. Ask the company you're considering if they survey their customers on claim service to find out their level of satisfaction. A company proud of their results will willingly share the results with you.