Find Motorcycle Insurance Discounts in Your Town

Do you ever wonder if your motorcycle insurance bill is too high, or are you just now shopping for your first policy? Motorcycle insurance is similar to auto insurance, but not all auto insurance companies offer to cover motorcycles. You can find coverage in your local area, but you will not find as many choices. It is particularly challenging to find affordable policies for younger riders, like teenagers, and for those who have some accidents on their recent driving history.

All riders can benefit from an approved motorcycle safety course. Newer, and even experienced riders can pick up some safety tips that may save their lives. Insurers like these courses too, and some offer a 10% discount to their customers who take a class. In my experience, the courses help younger riders, and those with some accidents on their record, more then any other bike owners!

If you own more than one motorcycle, a car and a motorcycle, or a motorcycle and a home, check into rolling all of your policies with one company. In the same way that insurers offer a home and car discount, they will also offer multiple policy discounts for more than one bike, and so on. If your current auto insurer does not cover machines with two wheels, it may be a good idea to check the prices at a company that does.

Other factors can impact your rate. Insurance companies keep statistics on which models have lower claims. So the type and age of your own bike can impact your rate, as can safety and anti-theft devices. Take this into consideration if you are out bike shopping. If you are not shopping, as insurers what safety features and anti-theft devices they would offer a discount for. You may be able to protect yourself, and your investment, while saving money in the long run!

If you use your motorcycle as a vehicle for a long daily commute, you will probably spend more on premiums than another rider who only takes his or her bike out on Sunday afternoon for a pleasant joy ride. Yes, insurers will want you to estimate the number of miles you plan to drive. And some insurers will even ask you how you store your bike when you are not riding it. They may discount you for keeping it in a locked garage, or they may penalize you for leaving it out in the street. That all depends upon the area you live in, and how likely bikes are to be stolen or damaged in your city or town.

Tourism Committees and Why Your Town Needs One

We all know that the trade deficit of the United States is not good. When we trade with other countries, we need to make sure that they are buying something from us as well, or that we are doing triangular trade where we buy something from one country, they buy something from somewhere else, and those people in that third location turn around and buy stuff from us. That keeps the money flowing in the global economy, and it’s good for jobs, good for industry, it is good for inefficiency and free-markets. It prevents scarcity, helps to feed the world, and does wonders for international relations.

Okay so, that’s how the global economy works on a macro scale, but let’s talk about your own town on a micro scale. Cities and towns also have trade surpluses or deficits. Consider if you will when a city is along a freeway. People traveling from one place to another stop off and spend money in that town before continuing on. Towns which have tourism or a strong hospitality industry, or even significantly good weather during the winter time will pick up additional dollars from snowbirds.

If your town has more money coming in than then going out, that means you have a trade surplus, and it also means that your local business community does better. When that happens you have more jobs, and you can better weather downturns in the business cycle. This doesn’t mean you won’t be hurt when fuel prices go up or the economy goes down, but if you have a constant flow of tourist dollars coming in you can do better than other cities and towns in the US. Because of this it makes sense to have a tourist committee as part of your economic development plan.

What I would suggest is that you get with the local Chamber of Commerce and you help pool the resources of all the businesses in town which would generate income from those who travel into your city. The obvious ones are hotels, airports, taxicab companies, casinos, museums, shopping districts, and various attractions that you might have. Even towns that are quite out of the way can figure out some sort of tourist play. Some reason to get people to come in and spend money.

Sometimes it takes a little bit of branding, a little bit of marketing, and strong word-of-mouth, but the sooner you get started, the sooner you can get that cash flow coming in to your town, then you can allow it to circulate around providing jobs for everyone. Please consider all this and think on it.