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Featured Daniel Carinci Agency, LLC Blog

Should You Keep Your Motorcycle Insurance Year-Round?

Sometimes, motorcycle owners in Pittsburgh, PA, are tempted to let their motorcycle insurance lapse during winter when bikes generally aren’t on the roads. Letting coverage lapse can have unwanted consequences, though. Instead, we at Daniel Carinici Agency LLC usually advise that riders adjust coverages rather than cancel their policy altogether.

Continuous Protection Against Theft and Damage

Even when not in use, your motorcycle could still be susceptible to risks like theft, vandalism, or incidental damage while stored. These risks are normally covered under a motorcycle insurance policy’s comprehensive coverage. If that coverage lapses, then you could be without recourse if your bike is damaged.

This is one of the main reasons why we at Daniel Carinici Agency LLC advise most riders to maintain their comprehensive coverage at least.

Compliance With State Coverage Requirements

Of course, motorcycles should be insured with a policy that meets Pennsylvania’s minimum coverage requirements whenever they’re on the road. Riders should generally have additional protections (e.g., comprehensive coverage) and higher limits than the state requires.

Cost-Effective Strategies

Many riders believe that canceling insurance during winter will save money, but the potential cost of damage is much more than what premiums could be saved. 

Rather than canceling your policy, let our agents adjust coverages so that you can save without taking on unnecessary risk. We can help you maintain coverage against damage when storing your bike and then readjust coverages to meet state requirements when you go back on the roads around Pittsburgh, PA, in spring. 

You’ll see some savings, and you can rest easily knowing your bike is adequately protected for the end of the year.

Four things you should do when you buy motorcycle insurance

Bikers in Pittsburgh PA shouldn’t underestimate the importance of buying the right motorcycle insurance policy. At Daniel Carinici Agency LLC, we’re here to provide the insurance you need for your motorcycle. 

The following are four things you should do when you buy motorcycle insurance:

Gather your pertinent documents

You should have certain documents available when you buy motorcycle insurance. You need to have your driver’s license and motorcycle title available to provide vital information to your insurance company when you buy a policy. 

Get roadside assistance coverage

Don’t underestimate the importance of carrying roadside assistance coverage on your motorcycle insurance policy. With roadside assistance, you can enjoy more peace of mind as a motorcycle owner. This type of coverage will pay for the costs of towing your vehicle to a nearby repair shop if you break down or get into an accident. 

Take your riding habits into account

Your insurance company should know how frequently you use your bike. If you don’t use your bike that often, you may be able to enjoy a discount on your policy for less usage and less mileage. 

Research motorcycle insurance providers in your area

You can find a great motorcycle insurance option by shopping around. You can get quotes on motorcycle insurance policies from numerous insurance companies in your area.

Compare quotes so that you know you’re getting coverage that suits your needs. Insurance companies in your area should be able to offer you free quotes on insurance policies that will cover your bike. 

Reach Out To Us

We’re here to come to your assistance when you’re on the market for motorcycle insurance. Get in touch with us at Daniel Carinici Agency LLC to get motorcycle insurance in Pittsburgh, PA. 

Getting The Most Out Of Your Motorcycle Insurance

Having the right amount of motorcycle insurance is crucial if you intend to ride a motorcycle in Pittsburgh, PA. If you want to travel with peace of mind, consider the following advice.

Motorcycle Insurance: What You Need To Know

Learn About Your Options for Protection

Motorcyclists can choose from a variety of policies, including those that provide liability protection, collision protection, and complete protection. In the state of Pennsylvania, liability insurance is mandated by law to protect against financial responsibility for injuries or damage you cause to other people or their property. Having collision and comprehensive coverage on your motorcycle might give you peace of mind.

Get the Lowest Possible Prices by Shopping Around

Shopping around for insurance quotes is essential to finding the best deal possible. The National Association of Insurance Commissioners and the Pennsylvania Insurance Department both have websites where you can research insurance policies and rates.

Drive Safely and Keep Your Record Clean

Driving safely protects you and other drivers and may result in lower insurance costs. Don’t do anything that could put you and other drivers in danger, such as driving too fast or while impaired.

Enroll in a Motorcycle Safety Program

If you want to learn how to ride a motorbike without being hurt, enrolling in a safety course is a good idea. It can help you save money on insurance premiums because many providers provide discounts to riders who have completed safety courses.

Daniel Carinici Agency LLC Is Here To Help!

Having proper motorcycle insurance is an integral aspect of riding safely. Daniel Carinici Agency LLC in Pittsburgh, PA is here to assist you in obtaining the motorbike insurance policy that best suits your needs and answers any concerns you may have. They provide specific recommendations and instructions to help you stay safe on the road.

Debunking 5 myths about motorcycle insurance

For most people, the idea of motorcycle insurance conjures up images of high premiums and sky-high deductibles. However, the truth is that motorcycle insurance can be both affordable and comprehensive. Daniel Carinici Agency LLC debunks the five common myths about motorcycle insurance.

Motorcycle Insurance Coverage: What You Need To Know 

Myth 1: Motorcycle Insurance Is Too Expensive

This is one of the most common misconceptions about motorcycle insurance. The truth is, motorcycle insurance can be quite affordable – especially when you compare it to the cost of repairs or medical bills in the event of an accident. Premiums vary depending on several factors, such as the type of motorcycle you own, your riding history, and the coverage you choose. However, there are ways to save on motorcycle insurance, such as by bundling it with other types of insurance, such as your auto or homeowners policy.

Myth 2: Motorcycle Insurance Is Only for Accidents

While motorcycle insurance provides coverage in the event of an accident, it also offers protection from several other risks. For example, many policies will cover damage caused by weather events, such as hail or windstorms. Additionally, some policies will also cover theft and vandalism.

Myth 3: All Motorcycle Insurance Is the Same

This is simply not true. There are many policies available, and each one offers different coverage options. For example, some policies may only cover damage to your motorcycle, while others may also provide coverage for medical expenses and property damage. It’s important to evaluate your needs and choose a policy that provides the right level of protection for you.

Myth 4: My Auto Insurance Policy Covers My Motorcycle

This is a common misconception, but it’s important to understand that auto and motorcycle insurance are two separate types of insurance. One covers cars, and the other covers motorcycles. While some insurers may offer a discount if you bundle your auto and motorcycle insurance policies, it’s important to understand that they are not the same.

Myth 5: You Don’t Need Motorcycle Insurance If You’re a Safe Rider

This is simply not true. While safe riding habits are important, they cannot prevent all accidents. Insurance is there to protect you in the event of an accident, no matter who is at fault.

Get Motorcycle Insurance in Pittsburgh, PA

Motorcycle insurance is not as expensive or difficult to understand as many people think. It is important to do your research and understand the different types of coverage available in order to choose the policy that is right for you. Daniel Carinici Agency LLC in Pittsburgh, PA can help you find the perfect motorcycle insurance policy for your needs and budget. Give us a call today to get started.

What Are The Minimum Legal Motorcycle Insurance Requirements For Pittsburgh, PA?

Motorcycles are an incredibly fun way to spend an afternoon among friends riding around and just enjoying the open air. However, they also carry with them a certain element of risk. The risk is what draws so many people into riding around on them in the first place, but they should still be taken seriously as something that could end up harming you or someone else if you are not careful. The Daniel Carinici Agency LLC sees plenty of people who have questions about what the minimum legal motorcycle insurance requirements are for Pittsburgh, PA. 

Compulsory liability insurance must be carried by anyone who wants to legally ride a motorcycle in the city of Pittsburgh. This is an inexpensive type of insurance that provides that blanket of bare minimum coverage to ensure that those riding motorcycles as well as anyone who happens to be on the road near them when they do are protected should something happen while out on the road. It is unfortunate that motorcycle accidents are so common that they require this type of insurance, but they are just as dangerous if not more so than driving a car. 

Most people would prefer to step up their insurance beyond just the state minimum requirements. They might want to consider purchasing a policy that covers bodily injury for up to $15,000 per person to get started. This insurance is still relatively affordable, but it adds an extra layer of protection that helps the individual feel that they have done everything within their power to ensure that they are safe out on the road and protected from any legal blowback that could come there way. Remember, it is all about staying safe and keeping others safe while out on the streets as well. You can do this by following city laws and making sure you always carry at least the minimum required amount of insurance. 

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