New Innovations in Motorcycle Technology will Make Insurance Cheaper

In the world of insurance, everything is based on risk. The price of your insurance policy will also be calculated by the likelihood of you filing a claim in the future. So, if you drive a motorcycle, then you are probably paying a lot each month in premiums. According to many studies, not to mention the general consensus in America, riding a motorcycle is extremely risky, especially if you are doing it every day. As a result, bikers pay top-dollar to insure themselves and their bikes. However, recent innovations in motorcycle technology have made the sport much safer, which means the cost of insurance is sure to go down.


So, what kind of changes have been made to motorcycles in the last few years? All the big brand motorcycle companies are taking steps toward making their bikes safer for their customers. As technology becomes more advanced, it becomes easier for automobile companies to reach their goal of achieving maximum safety with their products. Some motorcycles now have airbags, which seems like a big step in preventing injury from head on collisions. Many companies have also developed airbag suits to be worn by the rider. The suit is attached to the bike by a wire, and when the wire detaches, it inflates, creating a cushion between the rider and whatever it is they are colliding with.


Helmets have also become more advanced in the past few years, offering more protection in the event of a motorcycle crash. Many bikers do not wear helmets when they ride, believing that it takes away from the “freeing” experience of riding a motorcycle. Well, according to a study done by the National Highway Safety Administration, wearing a helmet greatly reduces the risk of fatal accidents among motorcycle riders. In fact, the chances of a biker being killed in an accident decreases by 37% when they are wearing a helmet.


Taking action to make the ride on your motorcycle safer is a good way to bring down the cost of your insurance. If you recently bought a newer model bike, chances are you will be able to enjoy some of the new safety features. Let your insurance company know that you are riding a safer bike as soon as possible. You may be entitled to a discount and end up having to pay less for your monthly premiums.

How Much Does Motorcycle Insurance Cost?

The cost of motorcycle insurance varies depending on the individual. Some people only pay a few hundred dollars a year, while others are spending upwards of thousands. If you are planning on buying motorcycle insurance, you should know where you stand and how much it is going to cost you.


In general, motorcycle insurance tends to be expensive. There are a number of reasons why this is true. First, motorcycles are statistically very dangerous. They are more difficult to see in the mirrors of other driver’s on the road. When there is an accident involving a motorcycle, the chance of fatal injuries is higher than with a normal automobile. Also, motorcycles are very easy to steal because they are lighter and take up less space than your average car.


As far as premiums go, there are a wide range of factors. It all really comes down to you, the driver. If you are in your 20s and are driving a bike with above average acceleration to participate in races, then your premiums will be pretty high. However, if you are in your 40s and are driving a modest bike to and from work every day, and parking it in your garage at night, your premiums will be much lower.


At Insurance Navy in Palos Hills, we provide low-cost motorcycle insurance with high-quality coverage. If you have any questions about how to find the cheapest motorcycle insurance in or around Chicago, the Insurance Navy agents are here to help. You can also learn more about Illinois motorcycle insurance by visiting our website

Motorcycle Insurance: Comprehensive vs. Collision Coverage

Many people who own motorcycles in Chicago do not know the difference between Comprehensive and Collision coverage. It is highly recommended that you purchase both types of coverage in case the unexpected happens. But, if you are trying to save some money by taking the risk, it is very important to at least know the difference.

Collision motorcycle coverage is a basic type of insurance that will cover you in the event of an accident. Unlike liability insurance, collision coverage will help pay for the cost of damages to your bike whether or not the accident was your fault. If you accidentally run into a stop sign, your collision coverage will help you with fixing it. Same goes for if you accidentally hit another vehicle.

Comprehensive motorcycle coverage is a type of insurance that applies when your motorcycle is damaged by anything other than a typical car accident. Comprehensive coverage will protect you against natural causes like fires and storms. It will also help pay for the cost of replacing your bike after it is stolen or vandalized.

Insurance Navy in Palos hills offers cheap motorcycle insurance. Whether you are looking for comprehensive coverage, collision coverage, or both, the Insurance Navy agents will help you find a policy that works for you. To learn more about finding affordable motorcycle insurance in Illinois, please visit our website at

How Your Motorcycle Insurance Premiums are Calculated

When you are buying motorcycle insurance, there are a number of different things that your insurance company will take into consideration. While every agency has their own way of doing things, your premiums will generally be based on the same list of factors. If you are an avid motorcyclist, It is important to know how motorcycle insurance is calculated, so that you do not receive an unfair policy.


The most obvious factor is value. The more expensive your motorcycle is, the more it will cost to replace. Therefore, if you have a top-of-the-line bike, you will pay higher premiums.

Your Insurance agent will also consider the power of your bike. If your bike has a huge engine that allows you to go over 150 MPH, your insurer will view you as more of a risk. The more power your bike has, the higher your premiums will be.


Another factor, that is a little more unknown than the previous two, is your zip code. If you live in an area of Chicago where there are statistically more car thefts and traffic accidents, you will probably have to pay higher premiums.


Insurance Navy in Palos Hills offers the easiest and affordable motorcycle insurance in Illinois. If you just bought a motorcycle, or are trying to find a more cheap motorcycle insurance policy, the Insurance Navy agents are here to help. You can also learn more about our low-cost motorcycle insurance policies by visiting our website at

How to Get Discounts on Your Motorcycle Insurance Policy

The best way to get a good price on motorcycle insurance is by shopping around at different insurance companies and comparing their different policies. While in the process, there are certain factors to keep in mind. If you want to get discounts on your motorcycle insurance policy, then you should bring up the following to your prospective brokers.


A problem-free driving history will take you a long way when purchasing motorcycle insurance. With no traffic violations or accidents on your record, you will be eligible for a big discount. Make sure your insurance broker knows your driving history and considers it when setting the price for your premiums.


Another way you can pay less than the normal amount for motorcycle insurance is by only using your bike for certain situations. If you are just riding your motorcycle on the weekends to your friend’s houses and such, then you should be able to get away with paying less. Also, if you park the motorcycle in a safe place, as in a garage and not a city street, then your motorcycle insurance will be less expensive.


The best and easiest way to score a discount on motorcycle insurance is by taking a motorcycle safety class. By showing your insurance agent proof that you have completed the class, they will set you up with a discount that could potentially save you hundreds of dollars a year.

Insurance Navy in Palos Hills offers the best and most affordable motorcycle insurance in Illinois. If you recently bought a motorcycle in or around Chicago, the Insurance Navy agents will help you find a low-cost motorcycle insurance policy that works for you. To learn more about cheap motorcycle insurance policies, please visit our website at

Interesting Facts About Motorcycle Insurance Coverage

Did you recently purchase motorcycle insurance in Chicago? Did you look closely at what is included in the coverage before moving forward? You may be surprised to learn about how far-reaching motorcycle insurance can be.


Most people think that motorcycle insurance just covers basic bikes with motors. Actually, there is much more included in your policy that you might not be aware of. Motorcycle insurance covers all different types of bikes, from low riders to dirt bikes. It will also include antique bikes that are more for decoration than riding. Generally, if it has two wheels, then it is probably covered under your policy. In addition to protecting your bikes, motorcycle insurance policies will also include protection for leisurely vehicles like golf carts, ATVs, Mopeds, Snowmobiles, and Segways. This usually comes as a surprise to people. And you may never find this function of the policy useful. But it is good to know nonetheless.


At Insurance Navy in Palos Hills, we provide high-quality, low-cost motorcycle insurance. If you recently bought a motorcycle or are looking to switch up your plan, the Insurance Navy agents will help you find the best and most affordable motorcycle insurance policy in Illinois. If you want to learn more about our cheap motorcycle insurance policies, please visit our website at

Insurance Navy, Palos Hills, Provides Affordable Motorcycle Insurance

Portrait of happy young couple on scooter enjoying road trip

InsuranceNavy in Palos Hills offers competitive motorcycle insurance coverage that keeps bikers with two or three wheels protected for a low cost. Many insurance companies take advantage of motorcyclists, claiming that the “high risk” of such vehicles on public roads justifies extremely high insurance rates. The agents at Insurance Navy work closely with bikers to provide the perfect policy without emptying their pockets.