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PAL Finance Group, LLC

985 Amicks Ferry Rd
Chapin, SC 29036

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Featured Insurance Blog

South Carolina Motorcycle Insurance – Add-On Coverages That Are Available

Enjoying the open road on two wheels is a classic American rite of passage and insuring that motorcycle is not only important for your pocketbook, it’s also a requirement in South Carolina.  Most bikers are aware of those requirements, but are you also aware that there are optional coverages that you can get in conjunction with your regular motorcycle coverage?  We will look at some of these additional coverages below.  If you are looking to get your bike insured, PAL Finance Group LLC in Chapin, SC has options for you.

Additional Coverages – Roadside Assistance

Roadside Assistance is a great addition to have in case you ever need it.  This coverage provides help for you in case you ever break down someplace for any reason.  This reason could be mechanical in nature, a flat tire, or you’ve simply run out of gas.  Roadside Assistance will provide a service truck to come out to where you are and try to get you back on the road again with extra gas, tire patching services, etc.  In the event that they can’t fix what ails your bike, they will provide transportation to the nearest service center for your motorcycle, free of charge.

Additional Coverages – Lay-Up Coverage

No, this has nothing to do with basketball and playing on the asphalt courts, this has everything to do with storing your motorcycle.  We have great weather in South Carolina for most of the year, although there are parts of winter that aren’t conducive to riding around in a motorcycle.  For those that need to store their motorcycle in the garage or a storage facility for the winter, this is what lay-up coverage is all about.  Should anything happen to your motorcycle while in storage, your lay-up coverage will protect your motorcycle and cover any damages to it while being stored.

More Information

These are just a couple of the numerous additional services that are available to motorcycle enthusiasts.  If you’d like to learn more about these services, please contact PAL Finance Group LLC in Chapin, SC today!

Things To Consider When Buying Motorcycle Insurance

If you are going to buy a motorcycle or have already purchased one, motorcycle insurance is must-have. It may difficult for you to choose the right policy, especially if you have never had this type of insurance before. Therefore, to help you make the right choice, PAL Finance Group LLC, serving Chapin, SC, has created a list of things you should consider when shopping for motorcycle insurance:

  • The deductible. It is the amount that a policyholder has to pay out of pocket before their insurance kicks in. If you pick a higher deductible, then you will pay less for the insurance itself. However, if your deductible is too high, you will have to pay a lot out of pocket in an accident. 
  • The frequency of use of your bike. The more you use your bike, the better policy you need. For example, if you ride it daily, a full coverage policy is what you need. However, if you occasionally use it and it is more like a leisure vehicle for you, much coverage is not necessary. If you are not sure, then you should talk to your insurance agent first. 
  • The type of your bike. If there are any modifications on your bike, you should be ready to pay more for your motorcycle insurance. Moreover, it is also more expensive to insure bikes with bigger motors. For this reason, if you want to save some money on insurance, it is better to buy an old and simple motorcycle with a smaller motor and no modifications. 

If you are a motorcycle owner and want to protect yourself and your precious vehicle, carrying proper motorcycle insurance is important. If you live in Chapin, SC, or any other surrounding town and are looking for a trustworthy insurance company, PAL Finance Group LLC is ready to help. Do not hesitate to give us a call to find out about the options available.