Motorcycle Insurance Does Not Have To Be Expensive

By Ken Henry

So now you've finally gotten your motorcycle, and it's time to get your motorcycle insurance. How do you get an insurance premium that doesn't cost you more than your motorcycle? That is a question that many people ask. There are some common methods you can use to lower your insurance premium.

All insurance companies evaluate the cost for an insurance policy in basically the same way. They evaluate the risk, and then apply a premium that reflects and covers that risk. Therefore, the important factors to consider when purchasing a motorcycle are the factors that involve risk. The age of the rider, the experience level, and age and size of motorcycle are just a few of the categories they consider.

The location where you will be riding plays a role, as there is more risk posed to the motorcycle rider in a city than in a town or the country. The type of garaging available to your motorcycle plays a part as well. Many people don't consider this factor, but a motorcycle in a locked garage is much less susceptible to vandalism or theft than one left out on the street side or in the driveway.

The age, style, and size of your motorcycle will also factor into the insurance premium. Many insurance companies have different rates for motorcycles ranging in size from up to 450 cc, 451 to 750cc and over 750cc. The ones over 750 cc are often termed to be a "big bike" policy. A sports bike, for example, will likely cost you more to insure than a cruiser type bike.

The actual amount of miles you will put on your motorcycle in a season will affect your insurance premium as well. If you're going to be riding on a regular basis through out the season, you will no doubt accumulate more miles. Also, the more you are riding your motorcycle, the more the risk will increase.

One method of lowering the cost of your insurance policy that not a lot of people consider is the amount you pay for deductible if you happen to need to make an insurance claim. Many people consider it more worthwhile to trade off a higher deductible rate for a lower insurance premium. After all, most people are not planning on having to pay the deductible on a regular basis.

The style of your motorcycle will have an effect on cost of insurance as well. Also, modifications, especially performance enhancing ones, will affect the rate of insurance. This is because sports bikes are considered to be more susceptible to accidents than their cruiser style counterparts.

About the Author:

About the author: Ken Henry has some great suggestions on finding the answers to your insurance questions. Get motorcycle insurance advice and quotes from 5 top companies, plus save big money on auto and homeowners insurance

Central Park Bike Tours And Rentals

By Zach Jacobs

Nothing beats the feeling of the breeze caressing your face when biking. For biking enthusiasts, Central Park in New York is the perfect place to be when you want to experience not only nature but culture as well. That is why Central Park bike rentals are flourishing in the area.

If you are staying in a hotel near Central Park, you can have the bike delivered into your location at no additional costs. However, if you are living five blocks away from the shop, the company will have to charge you extra with the delivery costs. Reservations can be made on site or online.

Going with a guided tour can be fun and educational at the same time. Even if the whole Central Park is 843 acres big, you only have to travel at least 7 miles to get to the best places. This will save you from walking all day just to explore the whole park. While stopping to see magnificent sites, the well-trained tour guide will give you pieces of valuable information about certain locations.

If you go on a guided tour, plan on it taking about two hours. In those two hours, you will visit and see a lot of things in Central Park. Among the stops are some famous Hollywood scenes.

If you want to see a piece of Hollywood, you can check significant sites in Central Park. Some of the most popular films and television series were filmed in the park such as Ransom, Friends, and Maid in Manhattan. There are also celebrities living near Central Park like Mary Tyler Moore, Steven Speilberg and Dianne Keaton.

If you are into culture, arts and history, there are places in Central Park related to your choices. During the tour, you can find picturesque sights such as The Belvedere Castle, The Metropolitan Museum of Art and The Wollman Ice Skating Rink. You can take pictures while being educated by the tour guide about these places.

During the tour, it is highly advised for you to wear comfortable outfit. And of course, for you to not miss anything, bring a camera with you. Aside from taking pictures of these popular places, you will also have the opportunity to capture the great wildlife in the park.

You can also arrange an exclusive tour for your family and friends. Proper arrangements can be made beforehand to ensure availability of the equipments. Also, if you are going with a foreign visitor, there are also available multi-lingual tour guides upon request.

When it comes to rates, there are differences between renting a bike and going with the scheduled tour. Per hour rate for bike rent is $15 and goes up. You can also have the bike for the whole day for $35. However, if you reserve online, you will get great discounts like getting the bike for $14 per two hours.

Included in the price that you will be paying for are other safety gadgets such as a helmet, a chain lock and a map. You can also check out other equipments available such as trailers for small kids and baby seats with additional charges. The rental store also offer other services such as providing you with lockers and restrooms, and sell snacks and beverages.

About the Author:

If you are traveling to New York City in the not so distant future, I would recommend that you find a bike rental in Central Park and also register for a Central Park bike tour and enjoy a day in New York City relaxing in one of the craziest places in the world.