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Winter Insurance DiscountsPDFPrintE-mail
Tuesday, 15 March 2011 08:55
Written by Kay Cordell
Nashvilleriders.com is proud to announce our newest regular contributor, Kay Cordell from the Cordell Insurance Agency. Kay will be contributing content on insurance topics that related to motorcycling specific subjects. Join me in welcoming Kay to the Nashvilleriders.com family. If you have questions about insurance you can conact Kay at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  -ed

Winter Discounts

winterbike As an insurance agent, I always like to advise my insured’s of ways they can get more “bang for their buck,” in regards to their policies.  For bikers, this may be possible by considering a winter lay up discount for their insurance policies, if a bike is not ridden during a specified period of time during the extreme winter months.  This is an easy way to save premium during the cold months that a biker may not be riding his/her bike anyway. 

Many of the motorcycle insurance carriers within my agency offer this discount, but it is important to keep in mind that there is no liability coverage on the bike should it be driven during this specific time period.  So, if you opt for this coverage, don’t ride your bike during the lay-up period, or else you could be in a very bad situation, should you be involved in an accident.  Now that we have the insurance part covered for winter, it is also important to consider ways to store and care for your motorcycle during this lay-up period. I’ve attached a great link that provides some helpful information and tips regarding storage for your bike.

http://www.womenridersnow.com/pages/Winterize_Your_Insurance_Policy.aspx
Last Updated on Tuesday, 15 March 2011 10:20
 

Comments  

 
#3 outlaws Justice 2011-03-16 12:57
I agree Kay, And I have followed my agent when she switched agencies. In my last change last spring, I added two bikes, she reworked my policies and the bikes on each and It ended up costing me $200 LESS. Too Bad she cannot handle my training bike policies as well. She does do my Quads, Snowmobiles, Motorcycles, Dirt Bikes, Cars, Trucks, and even my house!
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#2 Kay 2011-03-16 12:09
I agree with you there-and that is the reason why I am an independent agent. Many times I will move my clients from one company to the next, if I see one of my other carriers offering more value or a lower premium. Although they may be switching carriers-they are happy because they are still able to continue with the same agent, such as myself.
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#1 outlaws Justice 2011-03-15 15:55
Another thing you can do and something that has proven very valuable to me is to shop around. I use one agent, but she shops different companies for each bike I have as each company rates different bikes differently. A good example one company wanted $600 yearly for full coverage on my Vmax, while another wanted $150. It is all in how a bike is rated. With over 18 bikes, dirt bikes and quads all with full coverage (And not the minimum limits) It pays to put your agent to work!
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