What Every Motorcycle Rider Should Know

Motorcycle Insurance in St. Louis, MOThe key to staying safe riding your motorcycle is to be prepared and understand how to avoid risks. Motorcyclists are at a higher risk being on the road compared to a vehicle. Keep these things in mind to dramatically lower your risk for injury.

Refine Your Skills

If you’re new to riding, look to take a riding course from the Motorcycle Safety Foundation in your area. This class can teach you the basics. Or, if you’re an experienced rider, you can learn more advanced techniques.

Practice Makes Progress

After taking a Motorcycle Safety riding course, be sure to get out there and ride! Racking up miles will help you become a better rider. Set a short term goal of riding 1,000 miles before a specific date.

Wear the Right Clothing & Footwear

Especially if you’re new to riding, you need to wear the proper attire in case you go down. Look to buy leather or textile protective gear (jacket, pants, gloves). It helps when your clothing is breathable when you’re riding in the hot summer days.

Shoes with good traction are essential to staying safe on the road. A non-slip bottom boot or shoe is ideal. They should also be over-the-ankle to give extra protection.

Ride More Defensive Than You Drive a Car

Many drivers don’t see motorcycles or simply make judgement errors because of your size. Be sure to pay more attention to your surroundings when you’re riding. Pay attention to everything including street corners and intersections, but also parking lots, alleys and anywhere where a vehicle is trying to enter into moving traffic. Also, look far ahead when you’re riding. For example, say a car is pulled over or construction is coming up. Sure, you may see it, but does the car next to you? Lastly, avoid the blind spot of all cars. Ride up ahead of them or far enough before in case they need to suddenly switch lanes.

Besides being aware of your surroundings, it’s important to look for pot holes or bumps in the road. While a car can handle these without a problem, being on a motorcycle is a different story. If you can’t avoid them, slow down as much as you can.

Do a Quick Inspection

Before hopping on your bike, be sure to check a few areas. Check the chain, belt, and brakes. Inspect your tires for proper pressure. Also check to make sure your lights and directional signals are working properly.

While we’d love to sit in your sidecar to help you ride safely, we have work to do saving great people like you money on their motorcycle insurance. As an independent agent, we have access to some of the top insurance carriers in the country. Contact us for a quote or policy review.

5 Reasons to Have a Local Independent Insurance Agent in St. Louis, MO

Insurance Agent St. Louis, MOThere are many ways to shop for car insurance, home insurance and more. With the advancement of technology, not only do you have more ways to shop, but you can do it on your own time. However, insurance is a complicated product. It isn’t as easy as going to a site like Amazon or Ebay and selecting what color you want. Local independent agents offer more, and in most cases, pricing will not be cheaper if you decide to purchase online. Several reasons to purchase insurance locally include:

  1. Insurance agents are discount detectives. Insurance agents WANT to help you save money. By choosing a local independent agent in St. Louis, MO, you not only are getting a local professional, but the best rates available to you. Agents know that price is important when shopping for insurance, so they will work to win your business.
  2. Multiple companies to choose from. Because they’re independent insurance agent, they represent many companies, not just one like a captive Allstate or Farmer’s agent. If you call an 800# to get your insurance, you’re doing yourself a disservice. Call a local independent insurance agent and get quoted through multiple companies all at once, in the same time it takes you to get just one quote by calling a direct writer like Geico.
  3. Can change companies as you change. Buy a home or get married? Maybe the company you’re with now isn’t the best solution for you anymore. The great thing about having an independent insurance agent on your side is they can move you to a company that better fits your new situation. Maybe bundling your home and auto insurance make better sense with another carrier.
  4. Understanding Coverage… how many of you can explain the differences in: Comprehensive, Bodily Injury, UMBI, UMPD, PIP, Medpay or how much fungus coverage you get on your homeowner’s policy? It is so important to have a local insurance agent because they can help you understand these things and counsel you on what options are best for you.
  5. One-Stop-Shopping.  Home, Auto, Life, Health, Motorcycle, Business, Farm, Commercial and more, all at one place! Your independent insurance agent can help you with all of your insurance needs so you don’t need to remember where each product is.

So, if you’re looking for insurance, give the licensed staff at Goetz Insurance Agency, LLC in St. Louis, MO a call! They can help you insure everything from your home & auto to your business and life!

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