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Summer is fast approaching and that means warm weather is just around the corner. With warmer weather comes the opportunity to take your motorcycle out of the garage and hit the road. Before you jump on your bike and take off, it is important to take a minute to make sure that you have the right insurance coverage for your motorcycle. You should contact an insurance agent to discuss your current coverage and ask about the possibility of lowering the cost.

Take an inventory of any after-market upgrades you have made to your bike. You need to let your insurance agent know about any modifications or upgrades you have made to be sure that, if you are involved in an accident, you can have the motorcycle repaired back to its current condition. If you do not let the insurance company know about chrome add-ons or an upgraded engine, they will not be covered under your policy.

There are a few things that can help you to get a discount on your insurance rates. You may want to consider joining a motorcycle club. There are many different clubs available throughout the world and many insurance companies will give members a slight discount on their insurance policy. If you like to ride with others and enjoy getting to know new people, a motorcycle club may just the ticket for you.

The easiest and best way to save the most money possible on your insurance payments is to raise your deductible. The deductible is the amount of money that you will have to pay upfront if an accident occurs. Insurance companies will often pay for the costs incurred to repair your motorcycle after you first pay the deductible. It is important to be realistic with the amount of money you will be able to afford to pay.  If an accident occurs, don't take any chances of having to go without a motorcycle for an extended period of time.

You should also ask the agent about any other potential discounts that may be available to you. There are often more discounts available than you may think, and simply asking what you need to do to get them can be a great way to ensure that you are getting the cheapest rate that you possibly can for your St Paul motorcycle insurance. You can call one of our experienced insurance agents at Lancette Agency at 651-264-1230 to learn more about the discounts and options available to meet your motorcycle insurance needs.
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