
Surprisingly, there are many people who don’t think they need coverage immediately.
For example; I’ve heard about at least two new motorcycle riders who bought a bike and didn’t purchase insurance until it was too late. They were able to leave the dealership without calling their agent and telling them that they need coverage on a new vehicle BEFORE they left the premises with it.
The next thing you know they are riding in the mountains and an accident occurs which puts their new motorcycle in the garage until they can save up the money to repair the damage. And, the hospital bills are another unhandled expense.
Make sure you are covered BEFORE you leave the dealership. Makes for a more comfortable experience..
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Uninsured Property Damage covers your car when damage is caused by an uninsured motorist.