What seems to be the case nowadays is that people would choose just about any out of the many motorcycle insurance companies out there to cover their insurance needs as if they were just picking out a random color from the rainbow. Now, while this saves them time, it most normally ends up costing them a lot of money which they would have been able to save had they just taken the time to look through some motorcycle insurance companies to see the different options available.
One of the many things you will have to consider is how well these motorcycle insurance companies work with and for their customers. You will want to make sure that you are getting what you pay for. Now, while it is true that you can change motorcycle insurance companies, it would be best to pick out one that you are comfortable with in order to save you the time and paperwork to find a new one.
One good way to find out which motorcycle insurance companies are reputable is by checking them out online. It is normal to find information about a specific company off the Internet. People who have had bad experiences about a company tend to tell other people about it as a means to warn others about shady motorcycle insurance companies, and as a means of getting back at the companies for their poor services. A good rule to remember is that bad news tends to travel faster than good news.
If you happen to stumble upon some motorcycle insurance companies which offer good rates and do not have very many complaints from their clients, then chances are that they are a decent company who treats their clients well and does their job right. Just make sure that these reviews are legitimate. You can always go to a forum to ask around.
You will also want to make certain that you are getting the best cover possible from what you are paying. Many motorcycle insurance companies advertise very low rates, but there are also many people out there who find out the hard way that the insurance company can sneak out of this deal somehow. The aim is to get as much cover as you can for the best price.
It is important to deal with proper motorcycle insurance companies to get the best price and coverage possible. While it may take a bit of time and effort on your part, something like this is guaranteed to be worth it in the long run.
Select Insurance Group shops every motorcycle insurance carrier and can help you compare the companies against one another. In addition, we have solid relationships with our carriers, have the knowledge, and can help point you in the right direction. Call us at 1-855-GET-SELECT (438-7353) or visit www.selectinsuranceteam.com for your FREE motorcycle consultation.
http://www.selectinsuranceteam.com/selectinsuranceblog.html
Sunday, April 17, 2011
Tuesday, April 12, 2011
Tough Guy or Tightwad? motorcycles and gas prices
With gas prices on the rise, commuters once again are looking at motorcycles and scooters as a money saving alternative to the automobile. Observers predict gas will hit $4 by spring 2011 with it potentially reaching $5 by 2012 (Some Cities in Europe already pay over $6 per gallon).
Contributors to this run up in price could include: growing demand in developing countries such as India and China, the ongoing wars in Iraq and Afghanistan and our countries continuing love of the SUV.
Gas-guzzlers are already feeling the pinch. Prices are hovering in the mid-three-dollar range right now, the most expensive they’ve been in a December for several years. Usually, gas gets cheaper in the winter months, but prices have been rising since September of this year.
Last time gas approached $4 a gallon, consumers flocked to scooters and small displacement motorcycles in droves. The Honda Rebel and the Suzuki GZ250 (both 250cc street legal motorcycles) are lightweight with a low seat height which makes them very easy to drive. At over 80 mpg, they are sure to decrease your monthly commute expense.
If you’re looking for even better gas mileage, or you don’t like the idea of shifting gears. a scooter may be just the ticket. At over 100 mpg, the Honda Metropolitan and Honda Ruckus are one of the best values around and they start at just over $2,000. If a long range commuter that you can ride two up down the freeway is your calling, then you might want to check out the Suzuki Burgman, available in both 400cc and 650cc models. The Suzuki Burgman offers a very respectable 38 mpg. Besides the ease of operation and great gas mileage, scooters are a lot of fun to ride.
My suggestion is to take advantage of the Motorcycle Saftey Foundation Basic Rider's Class. Without prior riding experience, it’s imperative to your safety and the safety of other motorists to get your initial instruction from the experts. The Motor Vehicle Safety Foundation offers a Basic Riders Class in cities and towns all over the US. Simply do a search by state and you will find several locations.
If your goal is to get your license to drive a motorcycle, this course will help you to achieve that goal. Start by getting your written permit, which costs about $30. The Basic Rider’s class is a three-day, 14 hour course that costs approximately $275. Upon successful completion of the course, you will leave with your license.
Benefits of the Basic Rider’s Course:
In addition to receiving expert riding instruction in a controlled, safe location, the Basic Rider’s Course has several benefits:
The rider leaves with improved skills and becomes a more defensive and observant rider.
The BR course, in most states, will save you a portion of your motorcycle-endorsement test.
Many insurance companies will discount, about 10% on motorcycle premiums every year, to students who have successfully completed a BR course.
Some motorcycle distributors and brand-sponsored clubs will even reimburse all or part of your Basic Rider course tuition.
So, for anyone who wants to follow their dream and become a motorcyclist, whether you be "Tough Guy", "Tough Girl" "Tightwad", or something in between, be safe, be practical, take a safety course, and enjoy the gas savings as a fill-it-up-and-forget-it commuter
Call me to discuss Motorcycle/Scooter insurance at 1-855-GET-SELECT (438-7353). Rates starting at under 99$ a year! Special rates for safety course students and experienced riders.
Contributors to this run up in price could include: growing demand in developing countries such as India and China, the ongoing wars in Iraq and Afghanistan and our countries continuing love of the SUV.
Gas-guzzlers are already feeling the pinch. Prices are hovering in the mid-three-dollar range right now, the most expensive they’ve been in a December for several years. Usually, gas gets cheaper in the winter months, but prices have been rising since September of this year.
Last time gas approached $4 a gallon, consumers flocked to scooters and small displacement motorcycles in droves. The Honda Rebel and the Suzuki GZ250 (both 250cc street legal motorcycles) are lightweight with a low seat height which makes them very easy to drive. At over 80 mpg, they are sure to decrease your monthly commute expense.
If you’re looking for even better gas mileage, or you don’t like the idea of shifting gears. a scooter may be just the ticket. At over 100 mpg, the Honda Metropolitan and Honda Ruckus are one of the best values around and they start at just over $2,000. If a long range commuter that you can ride two up down the freeway is your calling, then you might want to check out the Suzuki Burgman, available in both 400cc and 650cc models. The Suzuki Burgman offers a very respectable 38 mpg. Besides the ease of operation and great gas mileage, scooters are a lot of fun to ride.
My suggestion is to take advantage of the Motorcycle Saftey Foundation Basic Rider's Class. Without prior riding experience, it’s imperative to your safety and the safety of other motorists to get your initial instruction from the experts. The Motor Vehicle Safety Foundation offers a Basic Riders Class in cities and towns all over the US. Simply do a search by state and you will find several locations.
If your goal is to get your license to drive a motorcycle, this course will help you to achieve that goal. Start by getting your written permit, which costs about $30. The Basic Rider’s class is a three-day, 14 hour course that costs approximately $275. Upon successful completion of the course, you will leave with your license.
Benefits of the Basic Rider’s Course:
In addition to receiving expert riding instruction in a controlled, safe location, the Basic Rider’s Course has several benefits:
The rider leaves with improved skills and becomes a more defensive and observant rider.
The BR course, in most states, will save you a portion of your motorcycle-endorsement test.
Many insurance companies will discount, about 10% on motorcycle premiums every year, to students who have successfully completed a BR course.
Some motorcycle distributors and brand-sponsored clubs will even reimburse all or part of your Basic Rider course tuition.
So, for anyone who wants to follow their dream and become a motorcyclist, whether you be "Tough Guy", "Tough Girl" "Tightwad", or something in between, be safe, be practical, take a safety course, and enjoy the gas savings as a fill-it-up-and-forget-it commuter
Call me to discuss Motorcycle/Scooter insurance at 1-855-GET-SELECT (438-7353). Rates starting at under 99$ a year! Special rates for safety course students and experienced riders.
Marriage+Car Insurance=Lower Rates !
In this day and age, every single penny matters and whenever you are getting married and you are looking to gain some discounts on your car insurance, you have to know some of the steps and some of the guidelines. Your age is one of those guidelines – if you are under 25, you most likely will get a discount on your car insurance if you get married.
The reason for this is because the insurance companies believe that if you are married, you will be less likely to be a reckless driver. While you might not be ready to get married when you are under 25 years of age, just remember that there are big discounts in there on car insurance.
Let’s say that you do get married and you are under the age of 25 but both you and your spouse have a really bad driving record. Well, that is something that can definitely hinder a lot of the discounts that you can get as your driving record does follow you around.
However, if you have a bad driving record and your spouse has a good one, you can definitely get on their insurance as a secondary driver and that – alone will let have all sorts of discounts and will certainly ensure that you are saving a ton of money.
Finally, you want to make sure that you are working with a broker as well, that way you can ensure that you are getting the best deal out there and not being stuck filling the quotas for your good-neighbor captive agent!
Call me at 1-855-GET-SELECT (438-7353) for more money-saving tips!
The reason for this is because the insurance companies believe that if you are married, you will be less likely to be a reckless driver. While you might not be ready to get married when you are under 25 years of age, just remember that there are big discounts in there on car insurance.
Let’s say that you do get married and you are under the age of 25 but both you and your spouse have a really bad driving record. Well, that is something that can definitely hinder a lot of the discounts that you can get as your driving record does follow you around.
However, if you have a bad driving record and your spouse has a good one, you can definitely get on their insurance as a secondary driver and that – alone will let have all sorts of discounts and will certainly ensure that you are saving a ton of money.
Finally, you want to make sure that you are working with a broker as well, that way you can ensure that you are getting the best deal out there and not being stuck filling the quotas for your good-neighbor captive agent!
Call me at 1-855-GET-SELECT (438-7353) for more money-saving tips!
Boat Owners Insurance 101
With summer fast approaching, people are gearing up for another great boating season. Boats are coming out of storage, fresh coats of paint are being added, and equipment is being replaced. One aspect of boat ownership that should not be neglected is boat owners insurance. Too many times, people don’t have the right amount of coverage and are left paying more than they would otherwise have to when something happens to their boat.
Your boat is a significant investment and therefore, you’ll want to protect it with the boat owners insurance that is right for you. Insurance for boats comes in many different options and when purchasing coverage, or renewing your current coverage, you should think about what is important to you. With the help of your insurance provider, you can make the right decision and find a policy that is affordable and comprehensive. Some coverages that you may want to look into include the following:
• Total Loss Replacement
Replaces total losses with the latest model (new-for-old) or, if not available, a comparable model. Available on new personal watercraft purchased within the preceding 13 months. Once the coverage is purchased, it can remain in place through the 10th model year. For personal watercraft 5 model years old or less at the time of a total loss, the insurance company will replace the personal watercraft with the latest model, or if not available, a comparable model. For personal watercraft older than 5 model years at the time of a total loss, the insurance company will pay the purchase price.
• Uninsured Personal Watercraft Coverage
Uninsured Personal Watercraft Bodily Injury Coverage pays for medical treatment, wage loss, and other damages sustained as a result of a personal watercraft accident where the liable boater does not have liability coverage.
• Actual Cash Value
The Actual Cash Value option is the most economical choice when it comes to insuring a personal watercraft. The Actual Cash Value is determined by the market value, age and condition of the personal watercraft at the time of the loss.
• Disappearing Deductibles
This coverage is included at no extra charge along with Total Loss Replacement and Agreed Value. Disappearing Deductibles provides a reduction of 25% in Comprehensive and Collision deductibles for each claim-free renewal period. When the fourth consecutive claim-free renewal period is reached, your deductible diminishes to $0. If a Comprehensive or Collision claim is paid, deductibles are reset to the selected level
• On-Water Towing and Labor
Pays for towing and labor costs on a reimbursement basis up to $1,000 per occurrence. You choose from the three available limit options: $300, $500 or $1,000. The labor coverage applies when it is performed at the time and place of disablement, while the personal watercraft is in the water.
• Agreed Value Coverage
In the event of a total loss, our expanded Agreed Value guarantee pays you the amount originally spent for the watercraft or the appraised value, with no deduction for depreciation and no deductible.
Each of these will meet a specific need and should be explored fully with your insurance provider. For detailed information go to www.selectinsuranceteam.com or contact one of our qualified representatives at 1-855-GET-SELECT (438-7353) for more information.
Your boat is a significant investment and therefore, you’ll want to protect it with the boat owners insurance that is right for you. Insurance for boats comes in many different options and when purchasing coverage, or renewing your current coverage, you should think about what is important to you. With the help of your insurance provider, you can make the right decision and find a policy that is affordable and comprehensive. Some coverages that you may want to look into include the following:
• Total Loss Replacement
Replaces total losses with the latest model (new-for-old) or, if not available, a comparable model. Available on new personal watercraft purchased within the preceding 13 months. Once the coverage is purchased, it can remain in place through the 10th model year. For personal watercraft 5 model years old or less at the time of a total loss, the insurance company will replace the personal watercraft with the latest model, or if not available, a comparable model. For personal watercraft older than 5 model years at the time of a total loss, the insurance company will pay the purchase price.
• Uninsured Personal Watercraft Coverage
Uninsured Personal Watercraft Bodily Injury Coverage pays for medical treatment, wage loss, and other damages sustained as a result of a personal watercraft accident where the liable boater does not have liability coverage.
• Actual Cash Value
The Actual Cash Value option is the most economical choice when it comes to insuring a personal watercraft. The Actual Cash Value is determined by the market value, age and condition of the personal watercraft at the time of the loss.
• Disappearing Deductibles
This coverage is included at no extra charge along with Total Loss Replacement and Agreed Value. Disappearing Deductibles provides a reduction of 25% in Comprehensive and Collision deductibles for each claim-free renewal period. When the fourth consecutive claim-free renewal period is reached, your deductible diminishes to $0. If a Comprehensive or Collision claim is paid, deductibles are reset to the selected level
• On-Water Towing and Labor
Pays for towing and labor costs on a reimbursement basis up to $1,000 per occurrence. You choose from the three available limit options: $300, $500 or $1,000. The labor coverage applies when it is performed at the time and place of disablement, while the personal watercraft is in the water.
• Agreed Value Coverage
In the event of a total loss, our expanded Agreed Value guarantee pays you the amount originally spent for the watercraft or the appraised value, with no deduction for depreciation and no deductible.
Each of these will meet a specific need and should be explored fully with your insurance provider. For detailed information go to www.selectinsuranceteam.com or contact one of our qualified representatives at 1-855-GET-SELECT (438-7353) for more information.
Sunday, April 10, 2011
Why Auto Insurance Costs Vary By Zip Code?
When auto insurance companies are setting rates they should be charging just premiums based on many factors they take into account. Insurance works on the theory of collective pool of money to pay for the damages few motorists suffer. Nonetheless, everyone does not contribute the same amount into the pool to be eligible for the benefits.
Location is one of the main determining factors in deciding how much each driver should pay. Insurers collects mass amount of statistics and make countless permutations to make sure that they make money from their business while remain fair to their premium payers. While they categorize these statistics location becomes the obvious one.
When they can make money charging reasonable rates in some areas in others they might require double the amount to be profitable. Probably profitability of insurance business is the fairest method of coming up with insurance costs for each area. In essence each area becomes a separate pool of insurance in the theory.
Clear patterns might help individuals to understand why the charges are different. For example densely populated areas like metropolitans have high rates of accidents, theft and other car crimes. And therefore insurance providers have to pay out more claims. It is only fair that people in these areas pay higher premiums to meet the pay-out amounts rather than expecting a peaceful small town folks contributing to their pool of insurance.
Principle of insurance employs probabilities of a loss happening. It is true that you might not have accidents or your car might not be damaged in most dangerous roads and neighborhoods but that is not necessarily the point. By merely being there you attract the risk element and get charged the risk premium.
The best motorist could do is to find out what is the average auto insurance costs in their area and compare that with theirs. This will allow them to determine if they are paying too much for their insurance or not. Simply you need to work within the limitations of your geographic location and make the most of it by adopting and adjusting your vehicle specifications, parking arrangements and so on.
call us at 1-855-GET-SELECT (438-7353) to learn more!
Location is one of the main determining factors in deciding how much each driver should pay. Insurers collects mass amount of statistics and make countless permutations to make sure that they make money from their business while remain fair to their premium payers. While they categorize these statistics location becomes the obvious one.
When they can make money charging reasonable rates in some areas in others they might require double the amount to be profitable. Probably profitability of insurance business is the fairest method of coming up with insurance costs for each area. In essence each area becomes a separate pool of insurance in the theory.
Clear patterns might help individuals to understand why the charges are different. For example densely populated areas like metropolitans have high rates of accidents, theft and other car crimes. And therefore insurance providers have to pay out more claims. It is only fair that people in these areas pay higher premiums to meet the pay-out amounts rather than expecting a peaceful small town folks contributing to their pool of insurance.
Principle of insurance employs probabilities of a loss happening. It is true that you might not have accidents or your car might not be damaged in most dangerous roads and neighborhoods but that is not necessarily the point. By merely being there you attract the risk element and get charged the risk premium.
The best motorist could do is to find out what is the average auto insurance costs in their area and compare that with theirs. This will allow them to determine if they are paying too much for their insurance or not. Simply you need to work within the limitations of your geographic location and make the most of it by adopting and adjusting your vehicle specifications, parking arrangements and so on.
call us at 1-855-GET-SELECT (438-7353) to learn more!
Are the Cheapest Auto Insurance Quotes Always the Best Choice?
Naturally nobody could blame you for wanting the cheapest auto insurance quotes especially when the going is tough as it is. Depending on your preferences the answer to this question could be different. Hopefully there will be one or two tips in this article for you as to how to choose your insurance company.
Certainly there are many cases in which the cheapest quotes could provide a solution. For example, they would be much better than not having any insurance. Many motorists would want the bare minimum coverage and absolute lowest prices because of their financial situation.
We can not rule out that money plays an important factor in your choices but we need to keep in mind the promise of insurance. It is not like any other products that you see, like and buy off the shelf. It is a promise to pay the claims when you suffer an unfortunate accident. For that reason you need to trust the company behind the promise.
Ideal solution to this dilemma is to get several quotes from competing auto insurance companies and line up your options. If you have a few companies at the low end of the price list, then you could comfortably pick one of them.
You have a problem when you have most of the companies piled up at a price range and one company comes considerably lower than anyone else. Unless that is a highly reputable company you would be better off dumping that choice. The rule of averages work pretty well in most cases and it makes much more sense to get rid of the highest and lowest quotes from your list.
It is worth mentioning that insurance companies are well regulated and you would be safe with most of them. But common sense should prevail all the time and the quotes should make sense. After all you are buying auto insurance for peace of mind. It is important that you feel comfortable with the insurer because it offers reliable security and fairly priced quote
Call us at 1-855-GET-SELECT (438-7353) to discuss auto insurance companies and options.
Certainly there are many cases in which the cheapest quotes could provide a solution. For example, they would be much better than not having any insurance. Many motorists would want the bare minimum coverage and absolute lowest prices because of their financial situation.
We can not rule out that money plays an important factor in your choices but we need to keep in mind the promise of insurance. It is not like any other products that you see, like and buy off the shelf. It is a promise to pay the claims when you suffer an unfortunate accident. For that reason you need to trust the company behind the promise.
Ideal solution to this dilemma is to get several quotes from competing auto insurance companies and line up your options. If you have a few companies at the low end of the price list, then you could comfortably pick one of them.
You have a problem when you have most of the companies piled up at a price range and one company comes considerably lower than anyone else. Unless that is a highly reputable company you would be better off dumping that choice. The rule of averages work pretty well in most cases and it makes much more sense to get rid of the highest and lowest quotes from your list.
It is worth mentioning that insurance companies are well regulated and you would be safe with most of them. But common sense should prevail all the time and the quotes should make sense. After all you are buying auto insurance for peace of mind. It is important that you feel comfortable with the insurer because it offers reliable security and fairly priced quote
Call us at 1-855-GET-SELECT (438-7353) to discuss auto insurance companies and options.
Monday, January 31, 2011
Quote, Select, and Save by calling 1-855-GET-SELECT (438-7353)
Select Insurance Group™ is a Missouri domiciled Insurance Brokerage agency based out of St. Louis, MO. We handle a full line of insurance products Including Auto Insurance, Homeowners Insurance, Health Insurance, General Liability Insurance, Workers Compensation Insurance, Medical Malpractice, Special Risk Insurance, and More! At Select Insurance Group ™ you have a wide variety of coverages and top-rated companies to choose from, ensuring you are receiving the best policy for your insurance Dollar. SHOP, SELECT, AND SAVE! Call us toll-free at:1-855-GET-SELECT (438-7353)or visit www.selectinsuranceteam.com to start saving today!
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