 Live to Ride, Ride to Live, and Save Money in the Process
According to the U.S. Department of Transportation Federal Highway Administration, in 2016, there were 8.6 motorcycles on the road and 88,000 motorcycle riders and passengers suffered injuries. Those are the type of statistics your mom worried about when she warned you to “never to ride a motorcycle.” However, despite mom’s advice, many of us have a lifelong love of motorcycle riding. And part of being a cyclist is carrying insurance. Here is our advice on how to get the best insurance at the best price. How clean is your driving record? A clean driving record – one with no or very few accidents, tickets or violations – can qualify you for significant discounts. Do you belong to a club? Motorcycle clubs sometimes offer discounted rates to members. They’re also a great way to compare notes with other bikers, get recommendations, and see who’s paying what. Examples include Harley Owners Group, BMW Motorcycle Owners of America, and the American Motorcyclist Association. How much seat time do you have? You riding time and experience can also save you some money. The amount of seat time you have and how much of that time has been spent riding the specific motorcycle to be insured are both factors that can help reduce your premiums. How much riding do you do? If you’re a seasonal cyclist, riding on sunny weekends or avoiding winter riding altogether, ask about our discounts for part-time or occasional drivers. Keep in mind that if you have a loan on the bike, the lender will likely require full coverage on it year-round. “Riders should carry enough insurance to cover bike replacement costs, hospitalization and to avoid bankruptcy.” Arv Voss Motorcycle columnist Have you shopped around? It used to be that only a few major insurance carriers offered motorcycle insurance, but today, it’s a buyer’s market. If you haven’t comparison-shopped, good. Because we do it for you. As an independent insurance agency, we work for you, not a specific insurance company. Meaning, we can do the shopping around and comparing for you and present you with the best option customized for you. Did you get enough coverage for extras? Regular motorcycle insurance policies don’t cover any enhancements you have made to your bike, such as chrome accessories, custom paint, or a sidecar. We can customize your coverage so that it covers everything from a full bike replacement to medical payments if you get in an accident.
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 When we are suffering from a cold or just having a bad day, the one who helps us feel better is often just a tail wag or purr away. It goes without saying that our dogs and cats are full-fledged family members. According to the latest American Pet Products Association’s Pet Owners Survey, Americans spent over $15 billion on vet care in 2014; yet only 4% of dog owners and 1% of cat owners carry pet insurance policies.
“It’s puzzling why we are a nation so in love with our pets, yet so slow to embrace the concept of pet insurance,” said Kristen Lynch, executive director of the North American Pet Health Insurance Association (NAPHIA). You wouldn’t think of not insuring yourself or your child, but what about the four-legged members of your family? If you’re like most pet owners, you’ve probably heard about pet insurance but don’t know too much about how it works, whether it would work for you or whether it’s worth the cost. Here are 4 things that make pet insurance a worthwhile investment: 1. You’ll Never Have to Decide Between Your Wallet and Your Pet More and more veterinary treatment options available for sick and injured pets every day. That’s great news—though it comes at a cost. As a pet owner, deciding whether or not to have a major surgery or procedure on your furry friend is one of the hardest things you will have to do. By having pet insurance (most policies reimburse up to 80% of costs after deductibles),you can take the financial aspect out of the equation so you can focus on your pet’s care—not the cost. 2. You Can Pick Your Plan Depending upon your pet’s age and breed, pet insurance can be tailored to fit your budget and your pet’s needs. The options vary greatly – from major accidents, hereditary and congenital conditions and behavioral issues to simple vaccinations and checkups. 3. You Can Pick Your Vet Unlike human health insurance, with pet insurance, you can pick your provider. Choose your current vet or from any licensed veterinarian in the US or Canada—you can even go to a specialist or an emergency clinic. 4. It’s Easy Most pet insurance companies make it as painless as possible for you to be reimbursed. Here’s how it typically works: you pay the vet, send in an itemized receipt from your visit and, within a few weeks, you’ll receive a check for part or all of the costs from that visit. Each company differs slightly when it comes to protecting your pet, however pet insurance works on the same basic principles as most other forms of insurance (minus the copays – phew!) We can help you compare policies and look at coverage and budget options to build a pet insurance policy that works best for your entire two-legged and four-legged family. |
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November 2018
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5107 N Rhett Ave, Ste 100 North Charleston, SC 29405 100 S Main St Ste C Summerville, SC 29483 |