Summer in Savannah is the perfect time hit the open road on your bike.  How do you get ready?  We recommend these tips for Motorcycle Season Safety from our friends at Progressive Insurance:

Get your bike in shape for summer

To steer this riding season in the right direction, you’ll want to make suremotorcycleinsurance your motorcycle—and your motorcycle insurance policy—are in good working order before hitting the open road.

While you should always check your owner’s manual for specific guidelines, here are some general tips for getting ready.

Motorcycle Season Safety Checklist

  • Change the oil and filter. Many manufacturers recommend changing the oil and filter before storing a bike for any extended period of time and again when you bring it back out for riding season. Be sure to first start up the motorcycle to warm the engine and then shut it off before changing the oil and filter.
  • Check the belt or chain. Make sure it is set to the manufacturer’s recommended tension. And if you have a chain, lubricate it.
  • Check nuts and bolts. Start off the riding season with a solid bike. Make sure everything is tight. “A well-maintained motorcycle not only assures a fun time, it can save you money by avoiding accidents, which helps to keep your insurance rates down,” says Rick Stern, motorcycle product manager, The Progressive Group of Insurance Companies.
  • Inspect tires. Look for any damage and also make sure each tire is inflated to the correct pressure. You’ve only got two tires, so for maximum stability it is very important to avoid underinflation as well as overinflation.
  • Look for fluid leaks. The easiest way to check for this is to look at the floor under the motorcycle. Leaking oil or brake, radiator or clutch fluid can cause their own special problems. For example, being low on brake fluid could make it hard to stop your motorcycle. You don’t want to find that out after you’re already on the road.
  • Check all lights. Make sure headlights, taillights, brake lights and turn signals are all functioning properly.
  • Brush up on your riding skills. Find a safe place to practice riding skills such as fast stops, figure eights, U-turns, etc., so you’re ready for the season. You’ll be glad you did.
  • Update your policy. Perhaps one of the most important things you can do at the start of the season is review your insurance coverage to be certain you, and your bike, are covered.

What does my motorcycle insurance cover?

Whether you just bought a motorcycle or are a veteran rider, you might have a few questions about protecting your bike. What’s liability insurance? Do I need Comprehensive insurance? How can I make sure my custom chrome is covered?

Pick the Right Insurance

First, determine how much insurance you’re required to have. Most states require liability insurance, which covers you if you cause an accident injuring another person or damaging someone’s property.

When picking your liability limits — the maximum an insurance company will pay in the event of that type of claim – a good rule of thumb is to review your car insurance and buy a policy with similar limits and deductibles, according to the experts at market-leader Progressive.

Once you choose liability limits, you may want to add insurance protecting your bike. Collision covers damages from accidents while Comprehensive covers damages caused by incidents like fire or theft. If you buy Collision or Comprehensive, you’ll need to select a deductible, the amount you’ll have to pay out-of-pocket if you have a claim. Be sure to pick an amount you can afford.

Insure Custom Parts

If you’ve added some serious chrome to your bike, gotten a custom paint job, or installed a GPS, consider additional accessory coverage. For example, Progressive usually includes $3,000 in accessory coverage when you purchase Comprehensive or Collision coverage. You also can buy more coverage up to $30,000 worth.

Get Roadside Assistance Coverage

If you like taking long rides into the country and are worried about breaking down in the middle of nowhere, consider Roadside Assistance insurance.

Progressive also offers a coverage that will pay up to $500 for lodging, transportation and food if your bike has a mechanical breakdown more than 100 miles from home. Most customers can add both coverages to their policy for a very modest fee.

For a quote or coverage review of your motorcycle insurance, call Lee, Hill & Rowe at 912-525-3360.

*Portions reprinted courtesy of Progressive Insurance Company.

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