Tag Archives: Motorcycle insurance

Buying a New Motorcycle

Are you are buying your first motorcycle? What do you need to know before you bring your bike home from the dealership? Before you enjoy the freedom of the open road on your first new bike, here are a few things you may want to consider.

Take a Rider’s Course

A motorcycle safety course can help build your confidence prior to purchasing your bike. Designed for beginning riders, a safety course often waives your state’s motorcycle test as well as introduces you to basics of motorcycles. It can also help you decide which type of bike you purchase. Taking a course like this may result in your insurance company offering a discount on your premium, as well. Do a little online research to find novice courses near you.

Buy Good Gear

Consider proper riding gear, even in warm weather. Gloves, jackets with padding that still allow air flow and boots that protect ankles can help prevent serious injury if you are involved in a crash. Although not mandatory in every state, you may consider a Department of Transportation-certified helmet as part of your safety gear. While most states have some sort of motorcycle helmet law, the requirements vary state to state, and some have no such law. Consult your state’s laws and regulations for accurate compliance information.

Can You Handle the Horsepower?

Consider just how much horsepower is adequate for you. A 650 cc engine may be too much for a novice biker to handle at first. However, if your goal is to take lengthy bike trips, you may need 650 cc or more. Once you buy your first bike, you may find you want more torque or more comfort. Many bikers found that their first bike was only a beginning — if one bike is good, three are better, some would say. Either way, pay attention to your needs and get the bike that’s right for you.

Sticker Shock

The final step in buying a motorcycle is determining your budget. Quality motorcycles can run anywhere from a few thousand dollars to $25,000 or more. You may be able to afford a higher-end bike, but many experienced riders recommend starting with a used model to be sure you like riding and because it’s likely you’ll have a minor spill or two as you learn.

Another aspect to consider is insurance, some bikes may come with higher premiums. Contact us for quotes on any models you are seriously considering. http://mertensinsurance.com/requestaquote.html

Once you have your new bike, you will want to keep it in new condition. Research and use the best sealants, waxes, tire care products and other preventative aids. A good cover may be a wise investment, as well. Make sure you find a quality motorcycle mechanic to keep your bike in tip-top condition.

. Take your time with this important decision and enjoy the ride!

The Real Value of Motorcycle Insurance

It may sound obvious, but anyone who owns a motorcycle needs motorcycle insurance. Aside from the fact that it is illegal to operate a motorcycle on a California highway without insurance, operating a motorcycle without any insurance is leaving yourself vulnerable to paying out of pocket for thousands of dollar in expenses. It is much safer to operate your motorcycle when you protect yourself with quality motorcycle insurance.

Motorcycle insurance policies generally cover:


  • Property damage and bodily injury liabilities
  • Uninsured Motorist
  • Medical bills
  • Collision and comprehensive insurance options

Naturally, there are additional coverage options known as specialized insurance option. These can include coverage for total loss replacement, accessory coverage, rental vehicle coverage, transport trailer coverage, and roadside assistance and other emergency service.

Motorcycle Insurance and You!

Investing in a proper motorcycle insurance plan is considered invaluable. Motorcycle insurance is a completely separate insurance policy, when compared to car insurance. You can’t actually use car insurance to cover your motorcycle, because motorcycles and other recreational vehicles are considered to have specialized needs different from those of a standard car.

The standard motorcycle insurance policy will usually cover minor to sever accidents; along with assisting in paying those expensive repair and hospital bills in the event that you are found to be at fault for the collision. When you are operating your motorcycle, it is important to have the piece of mind that you have a good policy to back you up in the event of a collision. A good policy will have benefits such as:

  • Immediate coverage for damages to your motorcycle
  • Immediate coverage for personal injury

You wouldn’t operate your car without car insurance and as we found out last week, we wouldn’t operate our RV without the proper RV insurance. So why would you operate your motorcycle without proper motorcycle insurance? You wouldn’t! Whether your motorcycle is your daily commuter or a luxury vehicle,  Mertens Insurance can work with you on a policy that will fit your specific needs.

Learn additional reasons why your recreational vehicles should be insured…

Click here for more information about Mertens Insurance Motorcycle Insurance policies and to contact us today!