MOTORCYCLE

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

Here are a few things to consider:

• If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.