If you want to get the best inexpensive insurance for your scooter or moped, there are a few easy steps you can take that will eliminate hours wasted on research that won’t get you what you need or even want. Most people when looking for things like insurance, want to go with the cheapest available and while that can save you some money short term, it can lead to more headaches later on. That is why cheapest does not equal best usually. If your time spent researching is spent on the right things to look for like reliability, coverage, service, and not just price, you can get the best scooter insurance rates possible without a ton of wasted effort. In this article I will cover how you can find the best and cheapest insurance out there without sacrificing too much.
Motor scooters have been around for more than 50 years and insurance companies have been insuring them for almost as long. In many countries it is required that you have insurance but it is a good idea even if it isn’t. Paying a large sum for damages and/or medical fees upfront, if you get in an accident, really isn’t something you want to have to deal with. So how do you go about getting the right insurance for you? By researching of course. Yes it can be tedious and boring and yes you need to do it if you want to get the best rate. If you don’t care then by all means go ahead and just pick one of the top motor scooter insurers like Progressive or Geico. For those who do care, follow the steps outlined below.
Before you do anything make sure you know what kind of coverage you want or need. Then once you have a good idea, you can start researching different insurance companies. Find out what each policy covers in detail and if it’s a good match, get a quote and write down the rates. This will ensure that you not only get a great rate but that you also get adequate coverage. See if the company has any complaints or outstanding legitimate reviews and take them into consideration. Next take the best two rates and contact the company and see a representative. Make sure that the rate quoted is what they’re offering. Finally choose the one that just feels right to you or has the best rate.