American Auto Insurance

You’ve just bought your first motorcycle and you are thrilled because you are going to cruise across Canada.  But now you need to buy motorcycle drivers insurance.  Motorcycle insurance companies in Canada will provide you with insurance and an outline of motorcycle insurance laws. 

When you operated a motorcycle your insurance needs are different than those for your car. That’s why motorcycle insurance is specifically designed for your motorbike.

Motorcycle policies are designed to protect you and your passenger by offering liability coverage, guest passenger coverage, medical payment coverage, underinsured coverage, and uninsured coverage, as well as collision and comprehensive insurance.

Motorcycle policies also protect your bike with collision and comprehensive policies previously mentioned. Collision insurance will pay to repair or replace your insured bike if it is involved in an accident.

This coverage is only valid if you are operating your motorcycle on a recognized roadway. It will not cover you or your bike if you are off road riding.

Comprehensive coverage is very important with a motorcycle because the risks are higher. Of course this means you may have to pay a little more. Comprehensive covers theft, vandalism, and acts of nature such as wind or flood.

A bike can be has a higher chance of being stolen or knocked over by a windstorm than a car does. So even though comprehensive coverage may be a bit pricey you should certainly consider carrying it.

You can tailor your policy to meet your personal needs. Canadian insurance companies offer ptional coverage which you can add to your basic coverage.

You can get coverage for those speacilty items such as your stereo, tinted glass, or custom tires and pain. Most insurance companies can provide you with a rider to cover additional equipment not covered by the basic policy.

You can also buy coverage for towing and road side repair. This coverage will reimburse you, up to the maximum stated, to have your motorcycle towed to a garage. It’s very similar to that offered by automobile clubs.

If you have a good driving record you will qualify for a discount. How large of discount depends on how many years of accident free driving you have combined with how many years you’ve gone without a traffic violation.

Here is a few other discounts that you may qualify for. If you had prior motorcycle insurance with no claims you could get a discount. If you are a member of a motorcycle association such as the Gold Wing Road Riders or the Harley Owners Group you could qualify for an additional discount.

If you currently have an auto plan active with the insurer and you add your motorcycle to that policy you should receive a discount.

Insurance companies tend to forget to ask if you qualify for any discounts. I guess they figure the onus is on you to be a smart consumer. Have a list of your qualifications and memberships handy, as well as a list of current policies and equipment on your bike so that you’ll be prepared to ask the right questions and get the discounts you deserve.

Free Online Insurance Quotes for motorcycle drivers insurance are readily available so why not take advantage of the quick and easy service and start saving money now!