Kingston Insurance Agency’s Guide to Motorcycle Insurance in Rhode Island

When motorcycle riders in the South Kingstown, RI region meet with Kingston Insurance Agency LLC representatives, they can find policies that best suit their personal needs. Unfortunately, some common pitfalls arise once it comes time to zero in on the proper policy. Thanks to the following guide, you can avoid them with ease!

Auto Insurance Policies Are Not Always Inclusive

Many riders will make the mistake of assuming that their current policy also offers coverage for their motorcycle. This is not always the case, especially if you have not taken the time to include specific language to this effect. In most instances, you will need to purchase separate policies for an automobile and a motorcycle. Ask the experts if any bundling options are available.

Borrowing a Motorcycle Could Lead to Calamity

Other riders may assume they are covered when they borrow a friend’s motorcycle. However, nothing could be further from the truth. If the bike is only insured in their name, you are not protected if an accident takes place. The same principle will typically apply if you make the mistake of lending your motorcycle to a friend who is not listed on your insurance policy.

Canceling Policies In The Winter Is Not Always Wise

Those who choose to cancel their policies once the weather turns are placing themselves at risk. While the same liability risks may not exist once the motorcycle is not being used regularly, that does not mean that the same off-road risks do not apply. In many instances, canceling a policy during the cold weather months is an avoidable mistake.

Motorcyclists in South Kingstown, RI, who have additional questions or concerns are welcome to visit Kingston Insurance Agency LLC as soon as possible. Contact our team of professionals so that we can help you understand the policy options that are currently available to you.

Tips to keep your motorcycle running like new

Motorcycles are a fun and cost-effective way to get around here in the South Kingstown, RI area, but they require regular maintenance to keep them running like new. Here are some tips from us at  Kingston Insurance Agency LLC to help you keep your motorcycle safely on the road. 

Motorcycle Safety Tips

1. Check the Tires:

Inspect your tires regularly for signs of wear, tear, or damage. Make sure the tread is still good and that there isn’t any visible dry rot on it. Replace worn tires if necessary so that you have the best grip and traction possible when riding. 

2. Change the Oil:

Change your oil regularly as part of your motorcycle’s preventive maintenance program. It helps lubricate and cool engine parts so that it runs smoothly and efficiently over time. Check your owner’s manual for instructions on how to change it properly, or have a certified mechanic do it for you if needed. 

3. Clean Your Bike:

Keep your bike clean to avoid corrosion or rust, which can shorten its lifespan significantly over time. Clean off any dirt or grime from all surfaces of the motorcycle after each ride, and wax it periodically as well to protect it from long-term exposure to the elements. 

4. Monitor Fluid Levels:

Make sure all fluid levels (oil, brake fluid, coolant) are at their maximum level so that they are ready for use whenever you need them on your ride. This will reduce the chances of overheating or other dangerous malfunctions while you’re out on the road. 

Consult With Us

By following these simple tips and doing regular maintenance checks on your motorcycle, you can ensure that it stays in top condition for many years to come! For more tips or to find a motorcycle insurance policy, give us at Kingston Insurance Agency LLC a call today. We serve the South Kingstown, RI area.

Four reasons why you might need to update your motorcycle insurance coverage

Motorcycle coverage is an important consideration if you are a rider. Motorcyclists in South Kingstown, RI can rely on us at Kingston Insurance Agency LLC for insurance coverage.

Motorcycle owners need to understand how important it is to update their coverage periodically to make sure that their insurance needs are met.

The following are four reasons why you might need to update your motorcycle insurance policy:

You’ve bought a new bike

It’s important to reconsider the motorcycle coverage you’re carrying any time you buy a new bike.

If you replace your previous bike, your cost of coverage may change. Your cost of coverage could also change if you add an additional motorcycle to an existing policy. 

Make sure you let your insurance provider know of a new bike on your policy. 

You’re adjusting to a change in income

Any income change could change your needs and preferences regarding motorcycle insurance. If you start earning more money, you might want to increase the amount of coverage you’re carrying or choose a policy with a lower deductible. If your income is reduced, you might want to find ways to reduce your premium costs to fit your budget. 

You’re eligible for a discount

You could become eligible for a motorcycle insurance discount in numerous ways. One possible way to qualify for a discount is to take a motorcycle safety course. Make sure you update your policy to enjoy savings if you are eligible for a discount. 

You’ve moved to a different state

You definitely need to update your policy if you relocate out of state. Different states have different motorcycle insurance requirements, so you need to make sure you’re meeting coverage requirements in your new state. 

Get Motorcycle Insurance Today

You can call us at Kingston Insurance Agency LLC if you want to purchase motorcycle insurance. We provide coverage to motorcycle owners in South Kingstown, RI. Feel free to give us a call or send us an email!

What Makes Insuring My Motorcycle Different From Insuring My Car?

Motorcycles are the ultimate expression of freedom. You can go where you want when you want, and how fast you want. But there’s a catch: they’re also more dangerous than cars! Here’s what makes insuring a motorcycle different from insuring a car.

1. Generally More Expensive to Insure

Motorcycles are more expensive to insure than cars, in most cases. That’s not to say it costs more to own a motorcycle; in fact, they’re generally cheaper to maintain and operate. However, they’re more expensive to insure because they’re more dangerous. Statistics show that motorcycle riders are three times as likely to be injured in a crash than car drivers and 29 times as likely to die.

2. Passenger Insurance Coverage

While a motorcycle will have standard coverage for a single driver, it doesn’t typically come with insurance for a passenger unless you purchase an endorsement. If you plan to drive around with a friend on the back, make sure you know what your policy covers.

3. Personal Injury Protection

Another significant difference between motorcycle and car insurance is that a motorcycle insurance policy generally won’t include Personal Injury Protection (PIP). PIP covers medical expenses for you or a passenger in your car, no matter who was at fault. If you don’t have this coverage, you could be responsible for thousands of dollars if you’re injured in a crash. In Rhode Island, MedPay is similar to PIP. It’s a claim that benefits the insured, not their motorcycle. MedPay can help pay for your medical bills after an accident, regardless of who is at fault.

Get Motorcycle Insurance in South Kingstown, RI

Motorcycle insurance is very different from car insurance, and you need to make sure your policy covers the right things for you before you take out your bike. If you have any questions about motorcycle insurance in South Kingstown, RI, Kingston Insurance Agency LLC is always available to answer your questions and help you find the right policy.