Motorcycle Cycle Safety and Insurance

Motorcycles offer a unique sense of freedom out on the open road that very few cars can compete with. However, this excitement does not come without an increased risk and responsibility. Each year, motorcycle accidents are to blame for thousands of fatalities and hundreds of thousands of dollars in hospital bills and lost pay.  

Keeping safe while riding a motorcycle is important not only for the obvious reasons of personal well-being, but also because of the way in which accidents affect insurance rates. Due to the increased risk of having an accident on a motorcycle, premiums are very easily influenced by any biking-related incident. To best ensure a safe riding experience and keep those rates down, follow some of these basic points:

Give your bike a thorough once-over after a prolonged period of storage, such as during the winter months. Check the basics - brakes, turn signals, lights, mirror positions, oil levels, and chain conditions

Don’t skimp on the gear. While riding a bike, there is very little separating you from the pavement, so make sure your helmet is of the highest possible quality and strength. Invest in protective leather gear, preferably of a lighter color so that you are more visible to other drivers. Finish off with a solid set of riding gloves and footgear.

While riding, stick to the basics: keep inside the speed limit, don’t tailgate, always use your signals, keep out of blind spots, and don’t weave through traffic.  

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The temptation to fire up your bike and start burning past those sorry car-bound motorists can be great, but the risks you run both health and cost-wise are simply not worth it. For more information on how you can protect yourself on the road and how your insurance can be affected by cycling accidents, contact the Chicago auto insurance specialists of Insure on the Spot today at 888-972-7283.