After many hours of racking my brains and pulling my hair out, I could not find the best scooter insurance. Anyone who is in the unfortunate situation of not owning a car but can get by on a scooter or a motorbike will understand the very importance and need for good insurance over your prized possession. Actually searching for a good quote is like opening an assortment of problems. There are so many to choose from that it can throw you off-track. What is more is that you do not quite know which policy to trust and choose. So how do you tackle this?
First, find out how much the average price of motorbike or scooter insurance quotes. Many people have fallen into the trap of being misinformed or confused over what all the terminologies mean. There are plenty of websites available over the internet to tell you, which companies have the best prices and deals, but not enough sites that are helpful enough to explain all the finer details to you. Therefore, look on bike and scooter forums, put up a post and ask other experienced motorists for this kind of information. You could always compare the prices and services of each company, which is a good idea to see what is out there and the different policies offered.
Second, take a note of your motorbike or scooter model, as this will make a difference to the insurance quote. Motorbike and scooter insurance base the quote on how old your bike is, what the model of your bike is and when you bought the bike. How much you insure it by, what to cover and who to cover are all optional. Some agents will offer you cover for damage to your bike, damaged caused by another driver without insurance or cover for other passengers. If in doubt you can discuss this further with your agent - it is advisable that you are clear on everything.
Third, when you talk to your agent try enquiring about whether you are likely to qualify for a discount. Some insurance companies offer safety courses that will then qualify you for a good discount. Other insurance companies may give you discounts for insuring something else other than your bike/scooter with the same insurance company, for example a car, house, apartment etc. You could also qualify for discounts if you have a long driving history, good driving record of accomplishment or within a specific employment group. If this is you or you feel that perhaps are eligible for a discount, it is worth you providing as much information as you can to your agent to see what your options are.
Finally one thing to remember, even if you are feeling frustrated from being quoted so many prices and are ready to give up your researching. The key issue that many motorists find is that although they feel they are good drivers, they may feel it unnecessary to purchase good insurance. This is a big mistake and results in serious financial consequences, even the risk of losing your license. Stay wise and stick to finding a good insurance policy, get as much advice as you can from other experienced motorists, talk to the agents asking as many questions as you can; it will be worth all your efforts to stay prepared and you would rather have good cover than no cover at all.
