Getting the Cheapest Scooter Insurance

The History of the Scooter is much longer than most would think with the first scooter
Like motorcycles appearing as early as 1894. Scooters have gone through a long succession of design changes but the basic premise has remained the same for those early days to provide the rider with a comfortable and economical ride generally with the idea of short computes in mind.

The modern day scooter as we know it can be attributed to the post war Italian designs of the Piaggio Vespa and the revolutionary 1947 D'Ascanio which had many of the modern day features we would associate with a motorised Scooter such as small wheels, footplates, single arm front fork and encased engine mounted under the seat at the back. The scooter has changed many times since its early days but the basic design can still be seen in those early post war models. Japan as well as Italy is also a major manufacturer of Scooters with Honda and Yamaha amongst the big players
Scooters are generally amongst the most economical forms of transport and loved the world over as a simple way to get around in style. Try any street in mainland Europe or any city in Far East Asia and the States and all will buzz to the familiar high-pitched sound of commuters' scooters.

However when looking for the Cheapest Scooter Insurance take your time as cheap is not always best you will of course be looking for the best price but should also want the comfort of knowing should the unfortunate need arise that you Insurer will pay quickly and efficiently with least amount of fuss for that reason it is worth taking your time and searching out the exact deal that best suits your needs. Cheap Motorcycle Insurance has been set up with this in mind and we hope you give us a visit and find the experience worthwhile.

Student Scooter Insurance - Getting Discounts

Due to these financial advantages, many freshmen students have begun bringing a scooter to college instead of a car, truck, or SUV. A scooter can be an easy alternative to taking a bus, bicycle, or car to class. On any college campus, parking is at a premium; a scooter can be parked nearly anywhere a bike can. And without having to rely on the municipal or university transit system, you will have much greater freedom to come and go from campus as you like. Extracurricular activities are easy to join and attend, and the time-savings leave more room for studying or a part-time job.

Of course, scooter insurance is mandatory in most states, and recommended in all of them. Much like car insurance, most states only require you to carry liability insurance. Liability coverage protects against damages you owe to third parties for bodily injury or property damage. Riding a scooter is fun, but it is more risky than driving a car. For this reason, you also may want to opt for more comprehensive forms of coverage, such as collision, uninsured motorist, and medical payment coverage. Don't let these coverage extensions intimidate you; scooter insurance for students is usually quite inexpensive. Some students are even able to insure a scooter for less than $100 per year.

That said, there are some ways you, as a student, can save money when insuring your scooter.

Good Grades: Many scooter insurers will give you a discount for maintaining a GPA that is above a certain threshold. Check with multiple scooter insurance companies to find which one offers the best "Good Student" discount.

MSF Course: The Motorcycle Safety Foundation, or MSF, offers safety courses which are recommended for anyone who plans to ride the public roads on two wheels. These courses typically cost $300 to $400. However, the lessons you learn could save your life, and most insurance companies will give you a discount for having attended such a course. Additionally, your local DMV will often waive the practical skills test required for your motorcycle endorsement if you can show proof of having attended one of these courses. They generally take place over a single weekend.

Good Driving Record: This one is a no-brainer. If you can demonstrate a clean driving record, you may qualify for additional discounts.

Multiple Vehicle Discount: Do you already own a car, truck, motorcycle, or other insured vehicle? If so, you may be able to save money by adding your scooter to an existing policy. Likewise, the same goes if you can add your scooter to your parents' insurance policy. In both of these cases, your scooter may be eligible for a significant discount.

Keep these factors in mind as you hunt for student scooter insurance.

Tips on Acquiring Scooter Insurance

While scooters have always been popular in Europe, a recent poll showed that scooter ridership was up by over 200% in the US. With so many scooters on the road, the opportunity for scooter accidents have increased and the need for scooter insurance have become necessary. Scooter riders must protect themselves against financial difficulties in the event there is an accident just as they would in the case of an automobile accident.

Because there are so many types of scooters and scooter riders, scooter insurance is extremely individualized. Some riders chose simple mopeds while other riders select the more powerful gas or electric motorized scooters. The type of scooter an individual chooses may depend on the rider's riding style, experience and the terrain on which he or she will ride.

Like any other insurance, this type of insurance provides financial coverage in the event of an accident. Because scooters are extremely inexpensive 'as compared to a motor vehicle, justification for insuring may seem impractical. However, because of the size and openness of scooters, the rider can expect to suffer extreme damages in the event of an accident. Insurance would then be absolutely essential in not only replacing the scooter but also could provide coverage for medical bills.

The individualized nature of scooters and the differing regulations on scooters makes sifting through the right fit insurance coverage time consuming and confusing. Riders must ensure that the scooter model they are riding is covered, as some insurers will not cover scooters imported from Japan; riders must ensure that they are in compliance with country and state scooter regulations; and the scooter rider may also want to ensure that his or her insurance covers accessories. Finally, the rider may want to ensure that he or she receives coverage at a reasonable and affordable price.

To find scooter insurance coverage, riders can start with their current insurance policy provider. The current insurer may choose to place a 'rider' on the rider's current automobile policy or the insurer may choose to underwrite a policy for the scooter. The rider should expect to receive discounts for his or her insurance policy since he or she already has a policy with the insurer.

Should the option to obtain insurance from the rider's current insurer prove to be unviable, the rider may choose to obtain insurance from companies who specialize in scooter insurance. Rather than sift through each individual company, the rider may choose to visit an insurance brokerage with a specialty in scooter insurance. Many of these insurance companies can be found on the internet and many offer online quotes.

Scooter insurers offer the same coverage options as automobile insurance: collisions, liability, medical and replacement. The rider should pay special attention to liability coverage as some insurers will offer*no benefits if the rider is at fault in the accident. It is also extremely important that the rider ensures that the replacement portion of his or her policy covers theft as theft is the number one cause of loss for scooter riders.