If you enjoy taking your motorcycle out in public or traveling for long road trips, there are some things you should keep in mind for safety purposes. When you park your bike in public while you’re working, running errands, or just traveling, you want to keep it safe and protecting your motorcycle from theft using the techniques below.
Lock Your Bike To A Pole
If you have to park on the street or in a parking lot for an extended period, you should lock your bike on something that can’t be moved, like a light pole or column in the parking garage. This makes it hard to steal and deters thieves from trying to take something that would otherwise have been easy to steal.
Audible Alarms Are Great
If someone starts to mess with your bike while it’s parked, it’s likely they will trigger an alarm that you can set, alerting you. This is great when traveling, and some alarms allow you to customize the sound so you know it’s your bike. You want to put it somewhere you know a person will touch but also be inconspicuous around the handles or the seat when they try to mount it.
Park Near Lights and Cameras
When you’re traveling on your bike, you want to get a spot that is close to the hotel camera and also in the light. If the bike is under one of the security lights in the parking lot, it will deter thieves and vandals from messing with it. If you park away from the hotel and in a dark place, your bike may be unprotected and left vulnerable.
If you need a quote for motorcycle insurance or any recreational vehicle in Colorado, our experienced agents at Aspen Gold Insurance Brokers are ready to help.
For first-time motorcycle owners in Colorado, our Aspen Gold Insurance Brokers team is used to answering frequently asked questions and offering advice to help you find the right policy. While some motorcycle owners may feel intimidated by buying insurance for their motorcycles, we do our best to make this process as easy and painless as possible. Once you’ve spoken with our team, you’ll feel confident in protecting your motorcycle. Until then, review the motorcycle insurance tips below to help you navigate this process for the first time.
Don’t Wait to Insure Your Bike
One of the most common mistakes we see first-time motorcycle owners make is holding off on getting an insurance policy. If your bike isn’t protected, you’re vulnerable to liability and other concerns associated with owning a motorcycle. Since you can’t get coverage for issues that have happened, you should get coverage before they happen to protect your favorite possession.
Explore Your Options
You probably have some idea of what you’d like in an insurance policy, so you shouldn’t settle for the first motorcycle insurance policy that comes your way. Our team will help you explore different policies and give you an idea of how much coverage you need based on different factors. At Aspen Gold Insurance, we will search multiple insurance carriers and find the best policy that fits your specific needs to make sure you are fully covered without overpaying for parts of a policy you made not need.
Ask for Help
It can be hard to ask for help, but you’ll need it as a new motorcycle owner. Please leave it to us to help you find the right insurance policy and amount of coverage for you. If you’re unsure what something means or what’s available, you can ask us questions so we can offer solutions.
When it comes to purchasing insurance, making the right choice is crucial for protecting your assets and ensuring peace of mind. While there are various options available, one option stands out when choosing an independent insurance agency like Aspen Gold Insurance Brokers. Unlike captive agents who work for a specific insurance company, Aspen Gold’s agents offer numerous advantages that make us a preferred choice for many individuals and businesses. Let’s explore the benefits of choosing an independent insurance agency like Aspen Gold and why we can be the ideal partner in finding the right insurance coverage.
1. Choice and Independence One of the primary advantages of working independent insurance agency like Aspen Gold is the freedom of choice we provide. Independent agents are not limited to a single insurance company’s offerings. Instead, we work with multiple insurance carriers, giving you access to a wide range of options. This ensures that your unique needs and preferences are met, as we can compare policies, coverage, and prices from multiple insurers. This allows us to focus on finding the best solutions tailored specifically to you.
2. Personalized Service Independent insurance agents prioritize personal relationships and customer service. Aspen Gold’s agents take the time to understand your needs, assess your risks, and design a comprehensive insurance plan accordingly. Our personalized approach means we can offer advice, answer your questions, and guide you through the insurance selection process. When insuring with Aspen Gold, you have a trusted advisor who advocates for your best interests and provides ongoing support throughout the policy term.
3. Expertise and Industry Knowledge Insurance can be complex, with various policy options and coverage nuances. Our dedicated agents are experts in the field. We possess in-depth knowledge of insurance products, industry trends, and regulations. This expertise allows us to navigate the intricacies of insurance and provide accurate, up-to-date information. We can explain policy terms, help you understand coverage limits, and identify any gaps or overlaps in your insurance portfolio. By leveraging our experience, our agents can ensure you make informed decisions and secure the right coverage for your specific needs.
4. Time and Convenience Shopping for insurance can be a time-consuming task. Independent agents can simplify the process by handling the legwork for you. Instead of contacting multiple insurance companies individually, Aspen Gold’s agents consolidate the information, gather quotes, and present you with the best options. This saves you valuable time and effort, allowing you to focus on other priorities while still receiving expert guidance.
5. Claims Assistance and Advocacy In the unfortunate event of a claim, Aspen Gold’s agents are here to support you. We act as your advocate, working closely with the insurance company on your behalf to help navigate the claims process, provide guidance on documentation requirements, and ensure a smooth and fair settlement. Our primary goal is to protect your interests and ensure that you receive the benefits you are entitled to.
Choosing an independent insurance agency like Aspen Gold Insurance Brokers offers a host of benefits that make the insurance-buying experience easier, more personalized, and tailored to your specific needs. With our broad selection of options, personalized service, expertise, and claims support, Aspen Gold’s agents provide a level of flexibility, convenience, and peace of mind that is hard to match. Whether you are an individual seeking personal insurance or a business owner looking for comprehensive coverage, partnering with Aspen Gold Insurance Brokers is a wise decision that can help safeguard your assets and provide you with the best possible insurance solutions.
Those in the Denver, CO area will want to know they have a reliable way to get around the community. During the warmer months of the year, a motorcycle can be a fun mode of transportation. When you are looking to purchase a motorcycle here, you need to ensure that you are fully insured. You will need to have this coverage here for various reasons.
Meet Requirements
A reason that all people in Colorado need to have a motorcycle plan is so they can meet all requirements that have been set. When you want to operate a motorcycle, or any other vehicle, on a public road in this state, you must carry liability insurance. Further, those that have motorcycle loans will need to have insurance that complies with their loan agreement. If you have a motorcycle plan, you can remain in good standing with your obligations.
Motorcycle Owners: Protect Yourself
Even if you were not required to get insurance for your motorcycle, it is still a good idea to get it. When you have a full motorcycle plan, it will provide the support that will protect your asset. Further, you will have insurance to protect your motorcycle if it is stolen or damaged. Ultimately, this is the best way to protect yourself and your prized possession.
As you are looking for a way to protect your motorcycle in Colorado properly, it could be helpful to contact us at Aspen Gold Insurance Brokers to request a free insurance quote. Our professionals at Aspen Gold Insurance Brokers can ensure you can build a plan that is right for your situation. This can offer all the guidance you need to create a plan to meet your needs. When motorcycle owners have proper motorcycle insurance, they are protected and could save them thousands if an accident would occur.
It’s great to ride a motorcycle to get somewhere and have fun. However, riding a bike comes with several risks. You take certain precautions when riding, but that isn’t enough to keep you protected. You also need motorcycle insurance coverage to protect your finances and assets. It’s important always to have this insurance when you have a bike. Never ride without it. When you need a policy, call us at Aspen Gold Insurance Brokers in Colorado.
Liability Coverage for Motorcycles
Just as with auto insurance, there are a variety of types of coverage that you can have in your insurance policy. It’s required that you have liability coverage for your motorcycle so that you and others are protected in case you cause an accident. If you have an accident judged to be your fault, you will be liable for paying for the medical bills of the other person and their property damage. You need bodily injury liability coverage to pay for the medical bills due to the other party after the accident. It would be best if you had property damage liability to pay for their property damage repairs. When you have liability coverage, the policy takes care of bills that otherwise would be yours to pay.
Other Coverage for Your Motorcycle
It’s also a good idea to get other coverage so that you are even better protected. Collision insurance pays for the damage to your bike after you have caused an accident. Getting comprehensive coverage can pay for several dangers that exist for your bike when you aren’t riding it. Both of these coverage types are recommended for keeping yourself financially safer.
If you are a biker in Colorado, you certainly need to know about motorcycle insurance. For example, you must show proof of insurance before registering your motorcycle. Just like you would protect your car with insurance, you will need insurance too for your bike. Even more, because you are at more risk when riding a motorcycle than a car. That said, to get the best policy that suits your needs, Aspen Gold Insurance Brokers has prepared for you what you should know before signing that policy. Let’s explore.
Types of motorcycle coverages
Besides the liability coverage that’s mandatory, there are other motorcycle insurance coverages available to fit your lifestyle and needs. They include:
Collision coverage
Comprehensive coverage
Underinsured and uninsured motorist coverage
Personal injury protection
Medical coverage
Roadside assistance
What determines the cost of your premium?
Motorcycle insurance policies may vary from one insurer to another. Always shop for a trusted insurer before committing to anything. However, here are some common factors that determine the cost of your insurance premium. These include:
Your driving record, where you live, and your age
Type or make of your bike
Age of your bike
Miles you ride per year
Number of claims you make
Where you store your motorcycle and much more
Endear your insurance agent
The ultimate goal of any insurance is to protect your assets and finances in case of an unfortunate event. A motorcycle is an investment that does not come cheap. Ensuring its well-protected is a no-brainer. Before you purchase one, be sure to ask a professional insurance agent about anything not clear. It would be best to get it right from the word go to avoid disappointments down the road.
Whether you’ve lived in Colorado for ten years or ten days, you know the weather can change in a moment. As you hit the road one last time before temps drop, it’s essential to ask if your motorcycle’s ready.
What are the best ways to put your bike into hibernation until warm weather returns?
Service Your Bike
Perform a thorough inspection of your battery, belts, chains, tires, etc. Allowing dirty oil to sit in your bike all winter can damage your engine.
Give Your Bike a Bath
Chrome, paint, and leather need to be treated with care when prepping for winter. Grime and tar staying on your bike all winter equal a recipe for disaster in the springtime.
Update Your Storage Address
Make sure to update the insurance policy to reflect the correct address where your bike will be stored. That simple change may result in premium reductions if your bike is being stored in a secure garage versus on the side of your house.
Some riders wonder whether they can save a few more dollars by dropping motorcycle insurance or lowering their coverage when they aren’t riding.
What about a “lay-up” policy for the winter?
Pausing liability and collision coverage might make sense in the winter when you take fewer riding risks. But it’s important to remember that vandalism, theft, or other incidents can happen all year round.
Should I raise my deductible in the winter?
Consider the short-term win versus long-term implications of needing more cash on hand if an incident arises. While many people think it’s a great way to save money, there could be some catastrophic downsides that will cost you more in the long run.
Instead of thinking you need to know all your motorcycle-related answers, ask your agent. Serving Broomfield, CO for all your insurance needs, be sure to contact Aspen Gold Insurance Brokers.
While the winter months in Denver, CO can come with a lot of snow, the rest of the year tends to be mild and offer a lot of opportunities to have fun outside. Due to this, owning a motorcycle in this area of the state can be a good option and mode of transit. Those that would like to buy a motorcycle here will need to have insurance for it. A motorcycle insurance plan is needed for a few reasons.
Coverage Offsets Liability Risk
A key reason to get a motorcycle insurance plan in this area of the state is so you can offset your liability risk. If you make a mistake that results in an accident while you are driving your motorcycle, you will need to cover the damages. The liability component of your insurance plan will provide coverage to offset this risk. Due to the importance of it, you will also be required by the state to maintain this coverage.
Protection for Motorcycle
You should also get a motorcycle insurance plan to protect the motorcycle. Those that are going to operate a motorcycle regularly will want to be protected if it is damaged or stolen. With collision and comprehensive coverage, you will get insurance protection to mitigate and offset this risk.
A Denver, CO motorcycle owner will need to have insurance in basically any situation. If you would like to learn more about your insurance needs and options, calling Aspen Gold Insurance Brokers can be a good option. Those that do call Aspen Gold Insurance Brokers can learn a lot more about the different types of coverage that are available. The team will also offer the guidance that you need to choose a plan that provides you with the right protection for your motorcycle. Contact our experienced insurance agents today to get the best rates and policy for your specific needs.
Our team at Aspen Gold Insurance Brokers hears from a lot of motorcycle owners who want to find out if full coverage is required on their policy. The truth? No, but it might be. Here’s what you need to know about buying motorcycle insurance in Colorado.
Is Full Coverage Insurance Required for Motorcycles?
In general, so-called full coverage insurance is not required for motorcycles in Colorado. When we say full coverage, we simply mean carrying comprehensive and collision coverage. The only type of insurance you’re required to have to stay legal on the road is a liability, which pays to take care of the other person’s medical bills and property damage if you’re involved in an at-fault collision.
Comprehensive covers the cost to repair your bike if it is stolen or damaged by an act of nature, such as a storm or hitting an animal. Collision pays to fix your motorcycle if it physically collides with another object, such as another car, fence, light pole, etc. Both comprehensive and collision are optional on motorcycle policies.
Why You Might Need Comp and Collision Anyway
That said, there is a caveat to this. If you are still making payments to a lender, there’s a good chance they’ll require you to carry comprehensive and collision on your motorcycle insurance policy. Why? They have a monetary investment in your bike. If something happens, they want to make sure you’re able to get it repaired through your policy so that their financial interests are fully protected. However, if you really love your motorcycle, you’ll probably want this added protection anyway.
Are you ready to ensure you have the right motorcycle insurance coverage for your needs? Please contact our experienced team of insurance agents at Aspen Gold Insurance Brokers in Broomfield, CO to schedule an appointment.
Denver, CO has many residents who enjoy the local roads and back routes on their motorcycles. In fact, the whole state of Colorado has many visitors from around the nation who come to enjoy the scenic route. Aspen Gold Insurance Brokers are educated on all motorcycle insurance FAQS and is happy to answer any questions you may have about motorcycle insurance regulations in our beautiful state.
Frequently Asked Questions About Motorcycle Insurance In Colorado:
Is a helmet required to drive and insure a motorcycle? No, a helmet is not legally required for drivers or riders over 18 in Colorado. Those under 18 must wear a helmet if they are passengers or drivers. We strongly urge everyone to wear a helmet though because a regular accident that could have left a motorist bruised can be deadly without head protection.
Is motorcycle insurance legally required? Yes, motorcycle insurance is a legal requirement in this state. Much like car insurance, you must have a certain amount of basic coverage to drive and likely your loan company will require full coverage for the loan duration.
What can I do to reduce my chances of needing to use my motorcycle insurance? Be cautious, wear your helmet, do not drive when you are too tired, do not drive on any substance like alcohol or drugs, and always consider road conditions. A motorcycle is a higher risk to drive but if you are safe it can be highly rewarding on our great scenic routes.
Aspen Gold Insurance Brokers serves all of Denver, CO and the surrounding areas with quality insurance services. We are available to answer any questions you may have about a particular coverage and to provide for your insurance needs. Reach out for a free insurance quote to see if we can save you money on insurance and help bundle any insurance policies for you.
