Motorcycle insurance for your Moto Guzzi

January 3rd, 20090 Comments »

Motorcycle insurance can be the largest expense related to owning a motorcycle, and Moto Guzzi motorcycle owners are not immune to this.  If you have a good clean riding history and no problems with your license, then you might want to consider getting a few motorcycle insurance quotes to see if you can save some money by switching to a different company.

It is probably more than fair to say that most Moto Guzzi riders are safe, responsible, mature riders, not like some crazy kids riding lightning fast crotch rockets. This doesn’t mean that we don’t like to have fun, or that a Moto Guzzi is not fast, but we tend to really appreciate our motorcycles and the privilege of owning a Guzzi.  With that in mind, you very likely already have an advantage in getting lower motorcycle insurance quotes.

Some motorcycle insurance companies offer discounts for riders that go to motorcycle riding school.  One course that you should consider attending is the Experienced Rider Course offered though the Motorcycle Safety Foundation.  Even if you have been riding for years, you will still learn something in the ERC.  At the very minimum, you will refresh your riding skills and get to practice some specialized maneuvers that will help you improve your motorcycle riding safety.  Not every company that offers motorcycle insurance will actually provide a discount for attending a motorcycle school, so check ahead of time if reducing your motorcycle insurance is one of your primary reasons why you take the course.

When shopping for Moto Guzzi motorcycles, consider the type of bike you are getting and how that might change the cost of your motorcycle insurance.  If you are quite young and don’t have a lot of riding experience, but you go out and buy a Moto Guzzi 1200 Sport 4V, you can probably expect to pay a lot for your motorcycle insurance.  The Nevada 750 will probably cost less to insure, especially for a newer rider. It makes sense, right?

Another factor in the cost of motorcycle insurance is whether or not you want or need collision coverage.  If you have taken out a loan to buy your new Moto Guzzi, then you will most likely be required to have collision coverage with your motorcycle insurance.  If the motorcycle gets damaged by dropping it, getting in an accident, etc., then collision coverage will usually pay for the repair cost beyond the deductible that you will have to pay yourself.

The amount of the deductible you choose will raise or lower your motorcycle insurance.  The bank or lending company does not want to own a damaged motorcycle.  Remember, it is pretty much theirs until you finish your loan payments.  After you pay off the loan and fully own your Moto Guzzi, then you can cancel your collision coverage from your motorcycle insurance if you want to reduce your insurance costs and are comfortable with assuming that risk.

Sometimes the cost of motorcycle insurance can be reduced slightly by belonging to a motorcycle club or organization that is well recognized for promoting motorcycle safety and riding responsibly.

There are a lot of different motorcycle insurance companies that offer online quotes.  I found that some of them do not have the latest Moto Guzzi models, or even some of the more recent models, available as choices. In that case, just pick the closest one for quotation purposes.  This happened to me when I was trying to get quotes for my California Vintage and found that the choices were limited to older models such as the 1100i and the EV.  Make sure that you tell them the correct model when you are actually signing up for your motorcycle insurance or you will put yourself at risk for being denied coverage in case of an actual claim.

Good luck in gathering your quotes and finding the best deals for motorcycle insurance for your Moto Guzzi.

About John Clay

John Clay is the author of MotoGuzziGuide.Com. He and his family reside in North Carolina in the United States. A graduate of the Motorcycle Safety Foundation's Experienced Rider Course, he enjoys riding and maintaining his Moto Guzzi California Vintage. John participates in local charity rides and also serves as a volunteer motorcycle marshal for one of the largest annual bicycle charity event in the Carolinas.

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