Fairfax’s Motorcycle Insurance Discounts
Fairfax’s Motorcycle Insurance Discounts
Shopping for motorcycle insurance can be overwhelming, but it doesn’t have to be! At Insurance Doctor, our dedicated team takes the hassle out of the process. Our brokers will work with you to help you secure the best coverage, no matter your budget or circumstances.
As you compare different motorcycle insurance quotes, you’ll want to ensure the price is right–without sacrificing coverage. The following are a few cost-saving tips you’ll want to consider:
- Shop around! Comparing different providers and policies allows you to find coverage that fits your needs and budget.
- See which providers will offer discounts should you insure multiple vehicles with them.
- Consider joining a rider group – you may get exclusive savings on insurance.
- Show you’re a responsible rider by taking a safety course.
- Install anti-theft devices to help reduce your risk and insurance costs.
More than just another expense, motorcycle insurance is designed to protect you and your bike in the event of an accident. Covering everything from medical expenses to repair costs, the right policy ensures you’re financially protected.
At Insurance Doctor, we believe everyone deserves quality coverage–no matter their situation. Even if you’ve been turned away from insurance providers in the past, we’ll work hard to find affordable options best suited to your needs. Our team is dedicated to helping you, not the insurance companies. We’re committed to getting you back on the road safely and confidently.
Coverage Customized For Your Motorcycle
While motorcycle insurance is essential for protecting yourself and your bike, it’s also legally required by the state of Virginia. Comprehensive coverage can relieve the financial stress of medical bills, repairs, theft, and accidents, giving you peace of mind every time you go for a ride.
Here’s the thing: we know Viriginia has some of the highest insurance costs in the U.S. But don’t stress! Insurance Doctor can assist you in finding affordable coverage that meets your needs and the state’s requirements, including:
- Before January 1, 2025:
- $30,000 / $60,000 in bodily injury
- $20,000 in property damage
- After January 1, 2025:
- $50,000 / $100,000 in bodily injury
- $25,000 in property damage
Determining how much coverage you need depends on factors like your bike’s value, how often you ride, and your financial situation. Our brokers at Insurance Doctor are committed to finding you affordable policies that meet or exceed state requirements, ensuring you’re protected without overpaying. Protect yourself, your motorcycle, and your financial future with Insurance Doctor!
Saving By Bundling
Looking to save even more money? Bundling your motorcycle insurance with other policies—like auto or homeowners insurance—can significantly lower your premiums. Many providers offer discounts for combining multiple policies, making it a cost-effective way to manage your insurance needs.
In addition to saving money, bundling simplifies the process of paying bills, organizing policy documents, and contacting your insurance provider. At Insurance Doctor, we can help you explore various bundling opportunities to maximize your savings while ensuring all your coverage preferences are met. Contact our team today to get started!
- Published in Motorcycle Insurance, Uncategorized
How exactly does the Insurance Doctor work?
No Waiting… No Hassles… No Red Tape…
In 14 minutes, we can save you up to 50% on car insurance.
Here is what you can expect when you work with The Insurance Doctor.
Step 1:
Get a quote. Not just one… we will shop 40 different insurance companies to find the best policy for you. And each one of those companies has flexible pay plans to fit your budget.
You can request your quotes online. Or, we can give you a quote by phone. Either way is shockingly fast. On average, it takes us 4 ½ minutes to provide quotes by phone… even faster if you request your quotes online.
Before you hang up, we will have found the best policy for you.
Step 2:
Get your policy. Most people do this in our office because it’s fast, and your signature is required. Plus, with offices in Woodbridge, Richmond, Williamsburg, Hampton, Newport News and Virginia Beach, as well as Charlottesville, Northern VA, Raleigh, NC and other areas, we’re nearby, too. When you arrive, your paperwork will be waiting for you. If you have an email address or a fax machine we can send you the paperwork electronically. We want to make insurance coverage as convenient for you as this. It is what we’ve been doing for over 25 years.
The average client is done with paperwork in 14 minutes.
You will leave our office with:
Your receipt
Your new policy number
Proof of your coverage
Your payment schedule
Your temporary insurance card (until yours arrives)
Literature on your insurance company with 24 hour claims information
I hear that with some companies, your insurance can be cancelled if you have just one claim. Is this true?
It’s very unlikely that your policy would be canceled after you file a single claim. However, filing a claim could increase your premium.
Your auto insurance premium will almost certainly increase after an accident – especially if you were at fault. Actuarial evidence shows that people who have had accidents in the past are more likely to have accidents again. There is a logical reason to charge you more for insurance coverage because of this increased probability of a future claim.
The next question is how much your premium will increase. This is harder to answer, because insurance companies often use different formulas to calculate rate increases. In most cases however, your policy will not be canceled. And because we represent more than one insurance company we can find a better fit for you and you stay with the same agency!
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
Oh no!!! I forgot to pay my auto insurance premium last month. Will my policy be canceled?
Each state has its own rules governing the cancellation of automobile insurance policies. You should check Part F of your personal auto policy (PAP) regarding termination and cancellation conditions. This section will address when, how, and for what reasons coverage under your personal auto policy can be terminated. You should also check any applicable endorsements regarding cancellation.
If you fail to pay your premium on time, your insurance company has the right–after providing you with at least 10 days notice–to cancel the policy. The notice of cancellation, mailed to the named insured shown on the Declarations page of the policy, will inform you of the date and time the cancellation will take effect. Even if you’re only a day late with your premium payment, your state may allow your insurance company to cancel your insurance policy, and the company won’t necessarily reinstate you once it gets your money. Furthermore, once your policy has been canceled, you may find yourself paying more money for a comparable policy or having trouble finding insurance at all. For our clients, sometimes we can be of help in this situation by dealing with the insurance company for them.
That being said, some insurance companies will not immediately issue a cancellation notice. You may simply receive an overdue notice, asking you to pay the past-due premium plus a late fee. Other companies may state in the cancellation notice that if payment is received by your insurance agent prior to the effective cancellation date shown, your coverage will be considered “reinstated.” It may also be possible for you to reinstate coverage after the effective cancellation date by paying the overdue premium and perhaps an additional sum. (However, it is likely that you will not be covered for any accidents between the effective date of cancellation and the date of reinstatement.)
In any event, you must look to state law and your automobile insurance policy to learn whether your policy will be canceled. Feel free to call us to ask for assistance.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
Exactly what is an SR-22?
SR-22 is a document required by the court in the Commonwealth of Virginia for persons convicted of certain traffic violations that demonstrates proof of financial responsibility. If you need one, we will assist you for FREE when you get your policy.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
I am buying a used car that is worth only a few hundred dollars. Do I need to insure it?
An auto insurance policy is a package of different kinds of coverage. You generally have some flexibility in terms of both the types and amounts of coverage you select. However, practically every state has enacted insurance laws that require drivers to carry at least liability auto insurance. Many states even require that you present proof of insurance before you register a car. So the short answer to the question is that you will need to insure your car, regardless of its value.
Drivers must carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum limits of liability coverage.
Comprehensive and collision insurance is optional in virtually every state. The collision and comprehensive section of your policy covers physical damage to your own vehicle resulting from collisions and a variety of other causes (e.g., fire, falling objects). It may also cover losses associated with theft. However, your car’s value plays a big part in assessing your need for this type of coverage. It may not be cost-effective if your vehicle is worth less than $1,000 because you’ll have to satisfy a deductible, and the most you’ll receive (even if your car is totaled) will be its actual value (i.e., after depreciation). That’s not much, especially taking into account the premiums you would have been paying for coverage. If your care is over 15 years old (and is not a collectible), you may only get liability insurance on it.
Why is it more expensive to insure certain sport utility vehicles?
Insurance premiums depend on several factors, including your age, sex, place of residence, and driving record; the amount and type of coverage you select; and whether you drive your vehicle primarily for business or personal purposes. This explains why one driver might pay a different premium than another for the same make of vehicle.
But why might it cost more to insure one sport utility vehicle (SUV) than another? In addition to the factors listed above, insurance companies consider the likelihood that a particular brand of vehicle will be stolen, vandalized, or involved in an accident. They also track the cost of repairs. They gather their information from claim statistics. The Highway Loss Data Institute, for example, indexes the amount of money insurance companies have paid out (on average) for collision, injury, and theft claims for various types of motor vehicles. Therefore, the SUV that is most attractive to thieves across the country will probably be more expensive to insure than the one that is stolen least often.
Insurance companies also consider their own past claim payouts. For instance, if one company has paid numerous claims regarding a particular make of SUV, it may charge higher insurance rates for that type of SUV than another company would. This is why we shop for your insurance through 40 different companies – to find the right policy for you.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor
My teenager just got his license. How can I insure him without spending a fortune?
As you have probably discovered, insuring a teenage driver can be very expensive. Drivers under the age of 25 pose the greatest risk to insurers. Insurance companies try to limit their exposure by charging higher insurance rates for 16- to 24-year-olds than for any other age group.
The least expensive option would probably be to add your teenager to your existing auto insurance policy once he gets his learner’s permit. Although this can still be an expensive prospect, your teen might be able to take advantage of certain discounts as a driver on your policy (e.g., safe-driver and multiple-car discounts for which you are eligible).
We can help you determine your most cost-effective option. If you’re thinking about purchasing a used car for your teen, be prepared to tell us the make, model, VIN#, and year of the cars you’re considering. This way, we can give you accurate insurance quotes and help you decide whether to purchase separate insurance for your son or add him to your policy. Sometimes these quotes can even help you decide which car to purchase.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Road Safety, Uncategorized
Buying a Car? Let us help you find the best insurance rate!
Many insurance companies issue automobile insurance, but finding the BEST policy for you can be challenging and time consuming. This is why people come to The Insurance Doctor – because we do the shopping for you through 40 different companies.
Remember that your profile will be a good fit for one of our companies. Our shopping helps you find the policy that’s right for you.
We compare premiums offered by 40 different companies and look for high customer service standards. The ability to pay a claim promptly will be important if you’re ever involved in an accident. And of course, we offer 24 hour claims service.
Finally, we understand insurance discounts and how you may be able to take advantage of them. You may benefit from multi-car and/or multi-driver discounts. You may receive a multiple policy discount if you purchase your auto insurance coverage through the same insurer that covers your motorcycle or boat insurance. An insurer may also offer you a discount if you have a safe driving record or have completed a driver’s education course.
Give us the chance to compare 40 companies and rates to ensure that you make the decision that’s right for you.
So my driving record is not that great! How does this impact my insurance rates?
In most states, the department of motor vehicles has a “point” system, which is used to track and measure your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.
Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company.
There are two purposes for this initial review:
To determine whether you meet the insurer’s standards of insurability
To evaluate your risk potential (i.e., how much your insurance will cost).
Each insurance company has its own method of evaluating applicants. So the points on your driving record may have a direct impact on the rates you pay for auto insurance. This is one of the reasons why we shop among 40 different insurance companies and programs to find the best policy for you.
There are certain times when you can be relatively sure your insurance company will be checking your record. These include:
When you initially apply for coverage
When your policy comes up for renewal
If a review of your driving record uncovers negative information, your insurance rates may increase. Insurers typically have their own “point” system to calculate the increase (if any). Then we go to work for you to find you the lowest rate even with this negative information.
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