First, lets understand who is out there. There are three types of results to be found, motorcycle insurance carriers, motorcycle insurance lead companies and motorcycle insurance agencies. All serve a purpose but understanding the difference will save you time and money.
Motorcycle insurance carriers, are the insurance company, that will actually issue the motorcycle insurance policy. You complete the online form or call their 800 number, speak to an order taker... uh, agent and you receive the one quote from one company. If the price is acceptable buy it or move on to the next motorcycle insurance carrier and repeat.
Motorcycle insurance lead companies, sell your information to five insurance agencies, in a specific city or state.
Problem #1: One of the five agencies, is an independent and only represents 2 of a possible 9 motorcycle insurance carriers.
Problem #2: The other agencies, represent the big home and auto insurance carriers, who really only want your home and auto business and don' offer the best coverages for motorcycles.
Problem #3: motorcycle insurance leads are included for free, with the auto insurance leads and due to a lack time and interest, you never receive a response from any insurance agency.
Motorcycle insurance agencies, are an insurance agency, with a specialization in motorcycle insurance. Look for an agency that has an appointment with all motorcycle insurance carriers, in their respective state (7 to 10 carriers, if they are good). This will typically include the motorcycle insurance carriers, selling direct and most of the motorcycle insurance carriers, represented by the agencies purchasing from lead companies. Then be certain the agency quotes with all 7 to 10 carriers. This will insure the best price and coverage.
