Traveling With Your Bike to a Big Rally? Why You Need Insurance

Ransom & Associates Insurance Agency can help Winder, GA motorcycle riders find great protection for their bikes. It’s particularly important if you’re looking to attend a big bike rally soon and need to keep your bike safe.

Here are a few reasons why you’ll need motorcycle insurance:

Protect Against Collision 

When you’re on the road to a rally, you need collision protection to help repair or replace your bike if it gets damaged. It’s critical for any serious biker who loves their hog.

Manage Loss Issues 

At a bike rally, you might be at risk of getting your bike stolen or even damaged by vandals. Comprehensive protection pays out for any damage not caused by collisions.

Manage Injuries 

Getting injured on your bike or somehow injuring others at a rally can be costly to cover. Thankfully, personal injury protection and medical payments can reduce your financial suffering.

Get You Back Home 

When traveling hundreds or even thousands of miles to a rally, nothing is worse than getting stranded on the side of the road. Trip interruption coverage can get you and your bike back home. 

Trailer Protection 

Are you taking your bike to the rally on a trailer and are worried about accidents? Trailer insurance will reduce your potential costs and ensure that you can afford to pay for your trip.

Liability Support 

If you’re worried about getting sued during a bike rally for any number of stupid things, it’s critical to make sure that your bike policy has liability protection of some type.

Reach Out to Us Today 

Our team at Ransom & Associates Insurance Agency can help you find Winder, GA motorcycle insurance that fits your needs. We’ll work hard with you to make this process easier to understand and will make it easier to find a policy that fits your overall budgetary needs as a biker

Safe riding tips for new motorcycle riders

With more people interested in buying and riding their own motorcycles here in the Winder, GA area, it’s important for new riders to understand the basics of safe riding. Here are some helpful tips from us at Ransom & Associates Insurance Agency for new motorcycle riders to keep in mind when on the road:

Safe riding tips for new motorcycle riders

1. Always wear a helmet

This is probably one of the most important pieces of safety gear for any rider. A helmet can protect you from serious injury or even death in the event of an accident. Make sure that your helmet fits correctly and is up-to-date with the latest safety standards before getting on the road. 

2. Make yourself visible

Motorcycles are smaller than cars, so make sure that other drivers can see you on the road. Wear bright clothing and use your headlights during day and night rides to increase your visibility and reduce your risk of being involved in an accident.

3. Be aware of other drivers

As a motorcycle rider, you should always be aware of what other drivers around you are doing, especially at intersections and when changing lanes. Look out for signs that they may not be paying attention or taking motorcyclists seriously and take precautions to stay out of harm’s way if needed. 

4. Stay alert

Fatigue is one of the leading causes of motorcycle accidents, so make sure that you get enough rest before heading out on a ride. Also keep an eye out for unexpected obstacles like potholes, animals crossing, or wet roads that could lead to a crash if not careful! 

Make Sure to Insure Your Vehicle

By following these simple tips, new motorcycle riders can stay safe while enjoying their passion for biking! For more tips, call us at Ransom & Associates Insurance Agency today. We serve the Winder, GA area and can provide you with the right coverage for your needs. 

What Factors Affect The Cost Of Motorcycle Insurance?

Motorcycle insurance costs depend on factors such as your riding experience, the type of motorcycle you ride, your age, your credit history, and your expected claim frequency.

Factors Affecting Motorcycle Insurance

If you want to get the best rate: 

  • Shop around and compare quotes from different insurers.
  • Ask about any discounts you may be eligible for, such as a policy for young drivers or multi-line policies.
  • Find out what information the company will look at when deciding whether to approve your policy. 

Consult with Ransom & Associates Insurance Agency for inquiries in Winder, GA. 

More on Motorcycle Insurance 

Premiums will be higher if you have a history of speeding, accidents, or moving violations. If you’re under 25, you will likely be required to take a rider education course to get coverage. Most policies require that riders be at least 21 years old, but some go up to 25. You’ll pay less for insurance if you’re young, but you’ll also likely have a higher deductible. 

Other factors affecting the price of motorcycle insurance include.

  • Your location
  • Your job
  • Your claims history
  • The value of your bike
  • The type of bike
  • Where and how you store your bike
  • Your level of cover

The cost of your motorcycle insurance policy will depend on several factors, including your age, the type of motorcycle you ride, the length of time you’ve been licensed, and any Motorcycle Safety Foundation courses you’ve taken. Most companies will offer a variety of discounts when you purchase motorcycle insurance, including a AAA discount, a multi-line discount, a young driver’s discount, or a student discount. 

Give Us A Call

If you’re a young driver, your motorcycle insurance will likely cost more than it would for an older driver, as young people are statistically more likely to be involved in accidents. Similarly, sports bikes tend to be riskier to drive than touring bikes, and your type of bike will also affect your premium. 

Insurance companies also consider factors such as your credit score, where you live, and the value of your bike. Most insurers will offer you a rate quote based on standard criteria. However, you can usually lower your premium by choosing a motorcycle with higher safety features, upgrading your bike, or maintaining a clean driving record. For expert insurance advice in Winder, GA, contact Ransom & Associates Insurance Agency.

What Are Georgia Motorcycle Insurance Options?

When you are looking for motorcycle insurance in Georgia, the minimum requirements are liability insurance for injuries and/or death. You also need minimum property damage liability insurance that will cover the property damage to other parties in the event of an accident.

You may want more than the minimum requirements. At Ransom & Associates, we want Winder, GA motorcycle riders to have the coverage they need for your motorcycle insurance. We can help you to design the most thorough policy that you need.

Georgia Motorcycle Insurance Options

You are required to get the minimum insurance for your motorcycle. You can add on other insurance coverages to design the Georgia motorcycle insurance policy that you need.

In addition to the minimum requirements for motorcycle insurance, there are a number of additional coverages that you can get.

• Collision Insurance – To cover your own damage after a collision
• Comprehensive Insurance – Covers your losses after theft, vandalism, or fire
• Special equipment and accessories coverage 
• Replacement cost coverage
• Medical expenses
• Roadside assistance
• Uninsured motorist coverage – Covers you in the event a collision with an uninsured party occurs

For comprehensive and collision insurance, you will need to set a deductible on your insurance policy. After an accident or emergency, you will be paid by the insurance company after you pay your deductible.

Get a Quote

When you are looking for motorcycle insurance in Georgia, you will have a lot of options to get the most thorough coverage possible.  At Ransom & Associates Insurance Agency, we can help you to get the most coverage for your motorcycle. Call us for a quote today.