If you have a scooter, then you want to make sure that you invest in scooter insurance. Motorcycle insurance is just as important as auto insurance coverage. You also have to make sure that you practice safety when you ride a scooter.
Scooter Driving Tips
Wear A Helmet
This is one of the most important safety tips for driving a scooter. Before you start your scooter, you will need to put on a helmet. It is estimated that 37 percent of motorcycle fatalities can be prevented by wearing a helmet.
Take A Safety Course
Regardless of how long you have been riding a scooter, you can always benefit by taking a motorcycle safety course. The Motorcycle Safety Foundation offers both introductory and advanced courses. You will receive a variety of scooter driving tips. The more you learn, the more prepared you will be when you get out on the road.
Follow The Rules
This is another one of the most important safety tips for driving a scooter. However, it is one that people often ignore. You should familiarize yourself with the traffic laws and follow them.
Make Sure You Are Visible
Many accidents occur because people are not able to see the scooter rider. That is why you should do everything that you can to increase your visibility. You should avoid blind spots and wear reflective clothing.
The Importance Of Having Scooter Insurance
The purpose of scooter or motorcycle insurance is to cover the cost of accidents. If you do not have insurance, then you will probably be the one who is responsible for paying for the cost of the accidents. It works in the same way that auto insurance does. You will have to pay a premium to maintain your coverage. Keep in mind that you may also be able to get motorcycle insurance from the same company that provides you with auto insurance coverage. Getting scooter insurance and auto insurance from the same provider can also help you save money.
Motorcycle riders experience a special kind of freedom that only they can understand. There are many reasons why people buy motorcycles such as they are fun to ride, are an economical way to get from point A to point B, and it is always easy to find a parking spot. The reasons to ride may vary from person to person but the dedication to the sport is constant. There are unique motorcycle safety issues that are connected to riding. Before getting on a motorcycle, a person must have special training, take tests, wear the appropriate gear, and get motorcycle insurance.
Safety is Number One
Each year there are more and more people who are taking to the road on a motorcycle. As the number of riders increase, the more motorcycle safety becomes an issue. Many states across the nation require motorcyclists to pass a standardized written and driving test. Most currently have some type of helmet law in place and require motorcycle insurance. There are risks involved in riding a motorcycle, and taking all the necessary precautions helps riders enjoy the ride.
Motorcycle Insurance Coverage
Insurance is there to protect the rider, the bike, and other vehicles. Motorcycles are a financial investment that can be protected with the right insurance coverage. There are minimum state requirements that often include insurance liability. Many different types of insurance options are available to motorcyclists that cover repair or replacement costs, medical expenses, legal fees, or liability claims. Insurance liability covers at-fault accidents and is often referred to as property damage or bodily injury insurance. Insurance can be purchased for street bikes, touring bikes, cruisers, scooters, and even motocross. This applies to both new and vintage types. Having the right insurance coverage gives riders the confidence they need to relax and enjoy the ride.
Riding a scooter is a great way for commuters to save a lot of extra money. Not only do scooters burn a lot less fuel, but scooter insurance is also cheaper than automotive insurance. However, you must take the necessary precautions while on the road. Here are a few safety tips for driving a scooter.
Take a Safety Course
Before climbing aboard a scooter, it is a good idea to take a safety course. The professionals will teach you the basic fundamentals of maneuvering a scooter. After taking the safety course, you will have a lot more confidence.
Always Wear the Proper Gear
Even if you only plan to drive a short distance, make it a priority to always wear a helmet. In the event that you are thrown to the ground, your head needs to remain protected at all times. Remember, a good helmet should fit comfortably without impairing your visibility. It is also advisable to wear some form of eye protection.
Never Ride Without Insurance
The Department of Transportation now requires scooters and mopeds to have insurance. Like traditional auto insurance coverage, scooter insurance is designed to protect you in the event of a crash. If your scooter is equipped with a powerful engine, you will likely be required to get motorcycle insurance.
When traveling on a day-to-day basis, always stay focused on your surroundings. This is certainly one of the most important scooter driving tips.
Perform the Required Maintenance
Be sure to properly maintain your scooter. To ensure that the scooter handles well, check the tire pressure at least every other week. You also need to inspect your lights on a regular basis. If the brake pads are beginning to get low, replace them immediately.
Rising gas prices have made motorcycles an economical option for many drivers. Besides saving money on fuel, many people enjoy the recreational aspect of traveling the open road. Regardless of the reasons why you prefer two wheels, you need to stay safe and make sure your bike is properly insured.
Most states require bikers to wear a helmet. An accident can happen in a fraction of a second, and wearing a helmet can save your life. Since you do not have the shield a car provides, you are also at risk of being hit by bugs and flying debris. Keep your eyes covered day and night. Riding boots will keep your feet in place. Never wear sandals on a motorcycle, and pants and gloves can lessen the impact of a crash.
Once you have your safety gear, you should consider taking a professional motorcycle safety class. Most are night classes held for two weeks. When you complete the course, you will be given a card that shows proof of completion. Some insurance companies offer discounts for completing a safety course.
After completing the class, you will need to purchase motorcycle insurance. You do not want to be an insurance liability to other drivers. If you are making payments on your motorcycle, the finance company will require you to purchase full coverage insurance. You should still consider liability insurance if you are not required to have full coverage. Liability insurance is cheaper, but you will be responsible for damages to your bike if the other driver does not have insurance. Most drivers opt for an inexpensive full coverage policy.
Following these motorcycle safety tips can reduce the chances of injury, and shopping around for an affordable policy can save you money on insurance.