If you own a motorcycle in Skokie, IL, you are probably looking for two things in your insurance policy: Great coverage and inexpensive cost. The only way to make certain that you get the price you want on your motorcycle coverage is to do some smart shopping. Like everything else that you can buy in life, you can get better prices when you do comparison shopping.
Most insurance companies will offer you a wide range of policy types, but the actual choice that you get in regards to rates is pretty limited. For example, you might be able to choose your deductible and the exact kind of coverage that you have, but you will be given one single rate based upon that policy. Each insurance company will give you their price, but they certainly won’t give you their competitor’s prices.
One way to shop around is to call a lot of different major insurance providers to ask if they provide motorcycle insurance, and if so what kind of rates they offer on the policy. Repeat this three, four, or more times and you’ll have several different prices to compare. The big drawback to this approach is that you will have to spend hours making all those calls.
One excellent alternative is to work with an independent agent like Bob Korvas. Our agents work with many different motorcycle insurance companies. We secure quotes from several different motorcycle insurers at one time, and then we present those quotes to you. It saves you tons of time, and it also gives you the choice regarding exactly which policy you pick and how much you end up paying.
Comparison shopping is a great thing when it comes to motorcycle coverage! We can give you several quotes from major providers, and our agents will make sure that you have the range of options that you need.
Though it's not required by the state of Illinois, buying jetski insurance is a smart idea–both for your health and your pocketbook. As your independent agents, we've put together a quick overview of what you need to know to purchase the right type of coverage and to find the best deal.
Types of Coverage Available
Jetski insurance is much like other watercraft insurance or ATV insurance covering four-wheelers and other off-road vehicles.
Liability insurance protects you in case of accidents in which you are at fault or damages you cause. This type of policy will pay for the damages you cause and even medical or lost wages damages incurred by someone else injured as a result of your actions.
Much like its equivalent in auto insurance, collision coverage pays for damages caused if you collide with another object or watercraft while you're out on the lake. This type of coverage is highly recommended for inexperienced drivers or for rented/leased jet skis.
Uninsured jetski insurance covers you in case the operator of another watercraft hits you and doesn't have enough insurance to pay for your property damage or medical expenses.
Questions to Ask When Buying Jetski Insurance
When you're talking to an insurance agent about your options, make sure to ask how much it would cost to purchase additional coverage for your jetski. Optional coverage options will protect your watercraft against vandalism, theft, and weather damage. Some of those risks won't be covered by your homeowner's insurance, even if your jetski is parked on your property when the damage occurs.
If you have questions about the options available to you, feel free to give us a call. We'd love to talk to you about the types of coverage you're interested in and to help you find the best possible deal that'll also protect your investment.