Taking long rides on a motorcycle is one thing that draws people to own and ride these machines. While motorcycles allow you the freedom that some automobiles don’t, there are a few drawbacks. Unlike an automobile, you are limited in the amount of spare parts and items you can take with you on a long ride. Motorcycles don’t offer a place to keep a spare tire or other important parts in the event of a breakdown. If you do break down and need to be towed, it can cost you money that you didn’t intend to spend.

Towing insurance is a great protection that you may be able to add to your current motorcycle insurance policy and will aid you in the event a tow is needed. Such coverage, when added to your policy may cover you for up to 100 miles of towing. In most cases this can get you to a shop to have the repairs made to your bike. Not having this type of insurance can leave you stuck paying the entire cost. A 10 mile tow can be as much as $50 or more depending on the towing company. Having a motorcycle towing coverage can be much less expensive and will give you peace of mind.

To have a custom quote for motorcycle insurance motorcycle towing, please contact one of our qualified insurance representatives at PoliSeek.com.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

There can be many components to any auto insurance policy, but two common elements are collision and comprehensive coverage. It’s important to understand the difference between these two, and most importantly what is included in your policy.

First, collision insurance is just what it sounds like. This exists to provide coverage in the event of an accident with another vehicle, person, object, etc. With collision insurance, you will be reimbursed for repairs or replacement costs, less your deductible (the amount you are required to pay out of pocket). If your car cannot be repaired, the amount you are reimbursed is often limited to your vehicle’s actual cash value. The decision to carry or not carry collision coverage therefore may be based on the value of your automobile. If it is new and expensive you would be well served to carry the coverage. If it has seen some years of service and has depreciated considerably in value, the coverage minus the deductible may not be worth the cost. If you have a lien holder, you may be required to carry both comprehensive and collision coverage.

Comprehensive coverage will help to cover damage to your vehicle from incidents other than collision. If your car catches on fire, has been vandalized or stolen, or damaged by severe weather, comprehensive coverage will most likely pay for the damage, minus your deductible . Theft is one thing you should pay close attention to. If your car is stolen, your comprehensive coverage will cover your loss, less your deductible, but it likely will not cover the contents within your car. Those items may, however, be covered under your homeowner’s or renter’s insurance, once again minus the deductible for that policy. If you have made any aftermarket additions to your vehicle, such as added a new stereo or GPS, those may be covered, but you should contact your insurance provider for specific details, as you may need purchase additional coverage to insure those items separately.

Are you looking to save on insurance? Higher deductibles may lower the cost of your insurance, but since you cannot predict when you will need to file a claim, you should always be sure that your deductible is something that you will be able to pay at any time. Also, many insurers may reduce premiums for vehicles with anti-theft devices as well as those parked in a low crime rate area.

Keep these things in mind when you are shopping for an auto insurance policy or reviewing the one you currently have. As always, our PoliSeek representatives are here to help with any of your auto Insurance needs.

The most important thing to remember when driving in the rain is to slow down. There are a lot of reasons for this such as the increase in stopping distance caused by wet and slippery roadways and the need to stop for unexpected obstacles such as that giant puddle that magically appears in front of you.

Turn on your headlights. In California it’s now the law that you turn on your headlights when driving with your windshield wipers operating.

Check your tires, and wiper blades. Wiper blades will dry out and crack after a long hot summer. If you can’t see it you can’t stop for it. Badly worn tires have little or no traction on wet roadways.

Be prepared with an alternative route for your commute. Due to flooding or accident(s) your regular route may be severely impaired.

Don’t try and cross that puddle if you are unsure. Don’t be the first one to try. Don’t try to cross fast moving water.

Give extra space for large vehicles. It is going to take longer and more space for that 18 wheeler to stop. Give him some room.

If the rain becomes severe and you can’t see, turn on your hazard flashers, pull over and stop. Wait until you can see clearly before proceeding.

Last remember that rainy day driving takes a higher level of concentration that normal driving. Don’t allow yourself to become distracted by your cell phone or other electronic device.

The most important factor in determining your auto insurance rate is your driving record. How many tickets have you had in the last three years? How many accidents have you been involved in – also in the last three years? Were the accidents your fault? What about major violations going back 10 (or more) years? These would be for drunk driving, reckless driving or other similar serious offences.

The next factor is your age or years of driving experience (in CA). The rate is fairly high until you reach 25 (or 9 years experience) and then pretty many levels out until age 70 or so when it goes back up.

Your gender is a factor that tends to modify the rate. In the early years men are usually involved in more accidents than women. That explains why the rate for teen-age boys is much higher than for teen age girls.  Your marital status is also a factor. Married people get in fewer accidents than single people. As our society changes to be more inclusive in the definition of marriage, this factor is also changing.

Another factor is the use of your vehicle and the miles driven. Common use classifications are commute, business and pleasure. Vehicles driven during the work day are rated for business. Commute means driven back and forth to work or school. Pleasure simply means not commute and not business.

Other factors which may affect your rate are:

• The state in which you reside. Insurance (and accident frequency) vary widely by state.

• The address where your vehicle is kept. This is called the garaging address and is determined by zip code. Depending on state, this could be a primary or a secondary factor.

• The type of vehicle you are driving. There are typically surcharges for sports cars, 4X4 pickups, and unusual (hard/expensive to repair) vehicles. These surcharges generally impact your collision and comprehensive (“other than collision”) coverage.

• Year/make/model of your vehicle. The more expensive the vehicle (cost new) the more expensive the rate.

Finally, in some states your credit score may affect your rate. This controversial factor is not used in all states (i.e. not in CA).  If you should have any questions, please contact a PoliSeek licensed agent at 866-540-7335. We are here to assist!

If you are driving a motorcycle on the road, you must have motorcycle insurance. This insurance coverage protects you in the event you are in an accident and you get hurt or you damage your motorcycle. For those that have recreational motorcycles that are not ridden on public roads and meant for off-road use only, you still may wish to consider motorcycle coverage. While it is not required by law, the benefits of having motorcycle coverage can far outweigh its modest cost.

When you purchase motorcycle insurance for your recreational bike, you are ensuring that you protect yourself while having fun. Benefits include:

Motorcycle repair, if it is damaged
Medical compensation, if you are injured
Theft protection

If you decide not to cover your recreational motorcycle and you get hurt, or damage your bike, you will be left with the full cost of replacement or medical bills. Motorcycle insurance is relatively inexpensive and can save you a lot of money in the long run if you end up hurting yourself, someone else or your bike.  For more information on motorcycle insurance and other insurance products, please contact Poliseek today.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

In today’s insurance market place many carriers are offering multi-policy discounts. Their reasoning for making this offer is the long proven fact that the more lines of coverage (types of policies) a company has with a client, the longer that client are going to stay with them (and pay premium). There are advantages to the client as well, however.

The first and most obvious is, of course, money. These discounts can be significant. A carrier may offer up to a 15% discount on their auto insurance if the policyholder also has a homeowner’s insurance policy with them. If that client had four cars and two teenage sons, this discount could be substantial, and in fact could be sufficient to pay the entire homeowner premium.

There are two other reasons that come to mind immediately. One has to do with coverage. If there is a dispute regarding coverage between the homeowner carrier and the auto carrier, it becomes academic if they are both the same company.

The other has to do with one’s relationship with the carrier. In the event that luck turns bad and there are several losses, the carrier may be more reluctant to cancel or non-renew the policy, if carrying multiple lines of coverage.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

If the time has come for you to sell your recreational vehicle, you may have found that selling it on your own can be a difficult task. You may not have the resources or knowledge to put your RV in front of people who are looking to buy. When you’ve had little luck selling on your own, you may turn to an RV consignment dealer. These dealers have the time and knowledge to put your RV in front of those who are looking for it. They have the networks and the resources to promote your RV more successfully than most people can do on their own.

When you have an RV consignment company sell for you, there may be some risk associated that you may not be aware of. Most RV insurance policies will not cover damage that can happen while your RV is on the consignment lot. If it is damaged by weather, during a test drive or even vandalism, you will have little recourse.

If you are planning on selling your RV in this way, you should consider purchasing RV consignment insurance. This added protection will give you peace-of-mind, while you are waiting to sell your RV. If something should happen to it, the coverage be very helpful.

If you need to purchase RV consignment coverage, do not hesitate to contact Poliseek RV. We can offer you a great policy at an affordable rate. Contact one of our sales representatives today at 866-540-7335.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

One Thing many people don’t realize about a “standard” homeowners insurance policy, is that it may limit coverage on some especially valuable items that you may own. These items could include jewelry, rare musical instruments, furs or even collectable antiques.

In order to fully protect your valuables, you should learn more about an addition to your policy, called a floater. When you add a floater to your policy, it will increase your premium, but it is the only way to make sure you can get full reimbursement or replacement for your high value items.

There are a few different options you can choose. If you have single items that are worth more than $2500, you can buy an individual floater for each item. The threshold for the price of an item will vary by insurance company and type of property you wish to insure, so you will need to tell them your specifics when inquiring about a rider.

The other option is for when you have a collection or group of similar items. For a collection, you will want to inquire about schedule coverage. An example of a need for schedule coverage may be for a group of valuable items of jewelry

If you are in need of an additional floater for expensive valuables, please contact a qualified professional at http://www.poliseek.com or call 866-500-7335.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Did you know that on average you are ten times more likely to have a major mechanical break-down than you are to get into a car accident? To prepare for just such an event, you’d be smart to look into getting what is known as Mechanical Breakdown Protection (MBP), especially if the warranty on your car is about to or has expired. Statistics show most mechanical failures occur after the expiration of the factory warranty.

Breakdowns rarely come with a warning and car repairs usually can’t wait. So having Mechanical Breakdown Protection will save you from the scramble and pressure of coming up with cash for any costly repairs. And this “peace of mind” costs less than your daily cup of coffee over the life of the plan.

There is a simple formula you can use to determine whether MBP is a good fit. First, take into account the age and miles on your vehicle. Then, consider the cost of replacing some of the bigger systems or parts on your car: the engine, the transmission, the air conditioner or a combination of repairs. Finally, ask yourself if you have the money to pay for these expenses if they were to occur.

Keep in mind, going with a MBP typically saves you more money than purchasing an extended warranty and provides you with more coverage and benefits. Visit our site to find a Mechanical Breakdown Protection policy that fits your needs.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

With winter in full gear, snowmobilers across the nation are getting ready to hit the trails. Snowmobiling can be a safe sport, if participants follow necessary safety guidelines before they go out and explore. A few important safety tips are listed below:

• Always tell someone where you are going and when you are expected back. Do this so your family will know if and when to call for help if you haven’t returned.

• Do not consume alcohol while riding.

• Wear protective gear including a helmet, warm jacket and pants, gloves, and heavy duty boots.

• Take tools, a cell phone and emergency supplies. If you should breakdown, you may be able to fix the problem with a tool kit.

• Food and water should also be packed for your adventure in case you are stranded for a period of time while you wait for assistance. .

For more information about snowmobiles, including additional safety information, tips for riding with children, and more, please visit http://www.poliseek.com/dont-get-snowed-the-safe-riders-guide-to-snowmobiling.

Poliseek.com carries affordable snowmobile insurance to protect your investment. Protecting your snowmobile from damage and theft is the only way to ensure that you keep riding if something should happen. Please contact a qualified representative at www.poliseek.comtoday for more information.