The arrival of summer signals another season altogether: motorcycle season. If you haven’t already, now is the perfect opportunity to bring your bike out of the back of the garage (or wherever you had it stored to protect it from the winter weather).
In addition to daily riding and scenic tours, there are plenty of events for you and your two-wheeled baby to enjoy. Here are 12 motorcycle rallies during summer 2019 you won’t want to miss. (We picked one from every state we do business in.)
Best Motorcycle Rallies in 2019:
31st Annual Valpo-Fest: Ready for a motorcycle-car show and swap meet? This family-friendly event in Valparaiso, Indiana, has that and more including live music, lots of vendors, food, beverages and (of course) bikes. May 26
Harley Rendezvous Classic: This annual three-day rally held in Pattersonville, New York, draws bikers from all over the country. Check out the bike show and buy some leather from one of the many vendors. June 20–23
Motoblot 2019: This urban motorcycle and hot rod street rally in Chicago features a hot rod show, multiple bands, a variety of vendors and a Miss Motoblot contest. June 20–23
Roar on the Shore: We’re a little partial to Roar on the Shore, since it’s in our home city of Erie, Pennsylvania. Join Grand Marshall Kim Coates for this free event. The rally features multiple rides, lots of live music and local places to visit. It draws more than 100,000 bikers and bike enthusiasts annually. July 17–21
Sturgis Kentucky Bike Rally: Head out in Sturgis, Kentucky for some fun at this adult’s only bike rally. This event features tons of live music along with an indoor motorcycle show, dirt drags and a charity poker run. July 18–21
Wetzelland 2019: This bike rally held in Grover Hill, Ohio, is known for its great bands, rodeo games, bike show, poker run and more. An adults-only event, the rally is sure to be a lot of fun for both bikers and bike enthusiasts. July 25–28
Mountainfest: This mid-summer rally is celebrating its 15th anniversary and boasts multiple locations, live music, bike shows and much more. Check out the event in Morgantown, West Virginia. July 27–31.
Apple’s 16th Annual East Coast Motorcycle Rally: Five days of bikes, music and fun can be found in Little Orleans, Maryland. You can listen to bands at one of two stages; check out the bike show and even camp out if you feel like it. Aug. 7–11.
Wing Ding 41: Check out this bike fest held in Nashville, Tennessee. You can enjoy live entertainment in a beautiful location, discover the latest products for your bike and demo some bikes if you’re looking for something new. Aug. 27–31
Milwaukee Rally: The largest free rally in the Midwest runs for five days and features multiple locations, great entertainment and lots of activities. This popular rally held in Milwaukee, Wisconsin, also offers riders the opportunity to take scenic tours you’ll never forget. Aug. 29–Sept. 2
Bull City Rumble: Swing by the world-renowned vintage motorcycle and scooter rally in Durham, North Carolina. The event is in its 15th year and features a bike show, live entertainment, food and much more. Aug. 30–Sept. 1
- Twin Valley Rally: Visit this motorcycle rally known for its scenic views and amazing roads in Meadow of Dan, Virginia. The event is in its eighth year and features a variety of events, music, door prizes and the opportunity to camp out. Sept. 13–15
If you can’t make any of these rallies, don’t miss Ride Your Motorcycle to Work Day on June 18.
Get the motorcycle protection you need
Haven’t heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we’ve grown to reach the Fortune 500 list, we still haven’t lost the human touch. Our local ERIE agents would love to get to know you and your bike.
ERIE’s improved motorcycle coverage* can cover your ride, as well as your accessories, gear and safety riding apparel**, with a 12-month policy that protects you all year long. Request a free quote online or find a local ERIE agent to get the conversation started.
*ERIE’s improved motorcycle coverage is not available in New York and North Carolina. Medical payments coverage is available in North Carolina. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for additional information.
** The coverage limit is $3,000. You have the option to increase coverage to exceed the standard limit. An additional premium would be required.
Posted on 21 May 2019 | 9:00 pm
The great thing about renting is that you usually don’t have to deal with home improvements, major repairs or mowing the yard. Yet, renting isn’t worry-free.
There’s always the chance of a fire, water damage, burglary or some other calamity that could turn your life upside down. Imagine if all your belongings were ruined or stolen and you had to start from scratch with a new laptop, TV, clothes and all the other items you rely on in your daily life.
If you didn’t have renters insurance, you would find yourself in a deep financial hole.
Unfortunately, a lot of renters are at risk because they don’t bother thinking about insurance until it is too late. And while your landlord likely has an insurance policy, more often than not that policy only covers the building and not your personal stuff.
Thankfully, there’s renters insurance – and the price is usually reasonable. (Learn more about renter’s insurance from ERIE and request a free quote.)
According to data from the National Association of Insurance Commissioners, the average policy costs only $184 per year. That works out to slightly more than $15 per month for liability coverage ranging from $30,000 to $50,000 (depending on location), with a deductible between $500 to $1,000.
Of course, there are a lot of variables. That’s why it helps to have a go-to professional like a local Erie Insurance agent to help you customize your coverage and understand how it works.
Here are some other essential things to know about what goes into the cost of your renters insurance.
ESTIMATE THE WORTH OF YOUR BELONGINGS
Furniture, clothes, dishes, books…. the stuff you own tends to pile up over time. The reality is that most renters underestimate the value of their personal possessions. Start by making an inventory of what you own and how much it’s worth.
After you itemize your stuff, you might realize there’s quite a difference from what you originally thought it was all worth.
DECIDE BETWEEN ACTUAL CASH VALUE & REPLACEMENT COST
Actual cash value considers depreciation when calculating what your belongings are worth. For example, if you bought a new laptop five years ago for $1,000, you’d only be reimbursed for the laptop’s worth in today’s dollars minus depreciation. So if it’s only worth $500 today, that’s what you’d get.
Replacement cost is the better way to go. It reimburses you for the original value of the product (or one of similar kind and quality at today’s replacement cost if the item is no longer available) and the price for the better coverage is often only slightly higher than actual cash value.
SELECT A DEDUCTIBLE
The higher the deductible, the less you will pay for coverage and vice versa. You need to ask yourself how much you could afford to pay out of pocket if you should suffer a loss – or how much of a premium savings you want from choosing a higher deductible. Answering those questions will make it easier to choose what deductible is right for your situation.
LIVING EXPENSES COVERAGE
If your apartment had a devastating fire – do you have a backup plan for where to stay? Most renters insurance policies will provide you with living expenses, which can pay for a hotel stay, temporary rentals, meals and other expenses you might incur if you were not able to return to your apartment due to a covered loss. It’s important to review your policy or talk to your agent to be sure you know the limits to this coverage.
This will protect you in the event of injury or harm to your guests or property. It can also cover medical payments within set limits (other than for the insured or tenants in the household) for someone hurt in an accident while visiting your home.
CHOOSE A LIABILITY LIMIT
There are many ways that you could end up responsible for accidentally injuring someone. One of the more obvious examples seems to be in the news a lot: A dog bites someone, and the dog owner is found to be responsible. Such a lawsuit could be costly if the injured person suffers any long-lasting physical scars or impairments.
Also, if you’re concerned about not having enough liability coverage, it may be a good idea to add an umbrella policy that offers an extra $1 million to $5 million in coverage. (Read more: Is personal catastrophe liability insurance right for me?)
PROTECTION AWAY FROM HOME
Many people don’t realize this, but your policy covers your liability and personal property everywhere you go. Often, that can be anywhere in the world – like if all your gear (including your new laptop!) gets stolen on that epic backpacking trip. So check your policy to see if you’re covered, at home and on the road.
You might not think about an earthquake or other natural disaster, but they can and do happen. Depending on where you live, an ERIE agent can tell you more about adding these coverages to your renters policy.
CONSIDER EXTRA PROTECTION FOR VALUABLES
Most insurance policies limit how much coverage and the conditions of coverage for valuable items such as jewelry, art, bicycles, or musical instruments.
If you own expensive or hard-to-replace items like these, you’ll probably want to add an endorsement to your renters’ policy to get them the best coverage you can. Learn more about personal valuables insurance.
SAVE SOME MONEY
Buying both a renters policy and an auto policy can qualify you for a multi-policy discount. Better yet, in some cases the discount you get on your auto insurance policy actually pays for some or all of the renters policy. That would be a win-win — for your peace of mind and your bank account. Learn more about auto insurance from ERIE (and request a free quote).
No doubt, renting can be an affordable and hassle-free option compared to buying and maintaining a home. Yet make sure you have the protection you need with good renters insurance. Better to be safe than sorry.
Posted on 21 May 2019 | 9:00 pm
Sometimes, family dinners can start to feel like a chore.
With poor planning, picky eaters and hectic schedules, it’s easy to feel like you’re serving the same meals over and over again.
But with a little creativity, family meals can be an opportunity for both parents and children to build stronger relationships while trying something new. Because meals are about more than just feeding your children. They’re also about the time you spend together – whether you’re finding new ways to have fun or just talking about your day.
To bring some excitement back into your dinners, check out some of these ways to bring the family together:
Plan a movie night: Turn on your favorite film and try making a dinner inspired by the story itself. You might cook chili and cornbread for a Western or get creative by mimicking a meal you see on the screen. Read more in our list of creative ideas for family movie night.
Build your own meal: Give your family the option to create their own dishes – think “Taco Tuesday” or build your own pizza night. Kids will love making their own culinary creations and learning something new. Meanwhile, you’ll benefit from some extra sets of hands.
Fake take-out: A stop at the drive-thru makes picking up dinner easy. But what if you gave fast food a home-cooked twist? Take your family’s usual order and try to recreate it at home. What started as a No. 5 can become a burger with your own family flair.
Teach a cooking class: Teach your kids a valuable life skill. Letting children help cook a meal can get them more excited about eating it, while being involved in the process. The more you do this, the better they’ll be at cooking for themselves when they get older.
Try new cuisine: With an endless amount of recipes online, there are plenty of new meals to choose from if you want to try a different style of food. Opt for stir-fry instead of spaghetti; make breakfast for dinner; or try cooking that meal you love ordering at a restaurant, but have never been brave enough to make at home.
- Host a cooking competition: Give every family member the same ingredients and split them into teams. You’ll get a chance to try something new and bring competitive energy into the kitchen. Just make sure everyone is involved in the cleanup process, too!
A new approach can be all it takes to liven up your family dinner. The themes and meals don’t have to be extravagant for everyone to enjoy spending time together.
Making dinner is part of what makes your home a home. And knowing that your home is secure with the right homeowners insurance gives you more time to focus on building memories.Erie Insurance understands how important “home” is, and we’re here to help protect it. Contact your local Erie Insurance agent to make sure your home and everything it stands for is protected.
Posted on 20 May 2019 | 9:00 pm
Will my car fit in that parking space? How do I park without hitting the cars around me? I don’t have time for this!
If you’ve ever been forced to parallel park your vehicle, chances are these thoughts have crossed your mind. It’s sometimes an intimidating and frustrating task. And the potential for embarrassment can leave you wanting to just find somewhere else to park.
But in some cases, parallel parking may be necessary. And if you’re just learning how to drive, it may even be required to pass your driving test.
There are some self-parking cars on the market today that will do the job for you. However, they do come with a hefty price tag. So, what’s the easy way to parallel park without taking too much time – or worse, causing a fender bender?
Follow these seven steps to help master the art of parallel parking:
How To Parallel Park
Find a spot where parking is permitted. Check your local laws for specifics. In general, you’re usually not allowed to park on a sidewalk, crosswalk or bridge; in an intersection; or blocking a driveway or alley. You also can’t park too close to a fire hydrant or stop/yield sign, though the allowed distance tends to vary by state.
Be aware of your surroundings. Use your turn signal before parking and make sure to check your mirrors before coming to a stop.
Align your car. Pull up directly next to the vehicle that will be in front of you.
Back up. First, check behind you again to make sure there are no pedestrians or oncoming cars. Then, begin back up while turning your wheel to the right. (Just make sure you don’t clip the vehicle in front of you.)
Straighten it out. Once your front door passes the back bumper of the vehicle, straighten your wheels and keep backing up.
Pull in tight. Turn your wheel sharply to the left when your vehicle is completely clear of the one ahead. Back up slowly until you reach the vehicle behind you.
- Center your vehicle. Turn your front wheels sharply to the right and center your vehicle in the parking spot.
Of course, it’s easier said than done. But follow these steps and with a little bit of practice, you’ll be well on your way to parallel parking like a pro.
One last tip: if you’re on a hill, be sure to set your parking brake and turn your wheel left so your tires make contact with the curb. This will help protect your vehicle from going into oncoming traffic if anything goes wrong.
Want more driving basics?
You may enjoy these related stories from the Eriesense blog:
- How to Jump-Start a Car
- What To Do When Your Car Overheats
- 5 Tips for Driving in Fog
- How to Avoid Hitting a Deer
- Video: Simple Tricks to Stay Alert on Long Drives
At ERIE, we’re committed to giving you tips and guidance for safe, confident driving. Because the only thing better than a fast and easy claims process after an accident is avoiding accidents altogether. Contact an ERIE agent to make sure you’re protected for the road ahead.
Posted on 19 May 2019 | 9:00 pm
Whether it’s a dead battery or other mechanical failure, a flat tire, empty gas tank or you’ve locked yourself out of your vehicle, Emergency Roadside Service Coverage from ERIE is here to help.
To learn more, we sat down with Jon Bloom, vice president, Personal Auto, to help shed some light on Emergency Roadside Service Coverage.
Do I automatically get Roadside Service coverage with my auto policy?
The simple answer to the question: No. However, Roadside Service coverage is an optional feature of your ERIE auto policy.1 It’s easy to add and won’t burn a hole in your wallet. As a bonus, you will have peace of mind knowing ERIE has your back if something happens, especially during bad weather.
How do I get Roadside Service coverage?
If you don’t already have Roadside Service coverage, call your ERIE agent and talk to them about adding the feature*. For around $5 per vehicle, you can add Roadside Service coverage to your current coverage.
My car died and I’m stranded on the highway. What should I do?
To use Roadside Service, simply call 888-FOR-ERIE (888-367-3743), option 2. You’ll be connected with Agero, ERIE’s nationwide road service assistance partner.
One of the great things about this add-on is that there’s no deductible, so in most cases you don’t have to pay anything up front.
Agero bills ERIE directly. The service is always there for you 24/7, so if it’s 4 a.m. or Christmas Day and your vehicle breaks down, no worries.
What else can Roadside Service Coverage help with?
Roadside Service Coverage from Erie Insurance can help you with lockouts, flat tires, mechanical breakdowns and dead batteries. It can even save the day when your car runs out of gas. It also covers the cost to pull your car out of the ditch or snow if you end up within 10 feet of the highway. (If the distance is greater than 10 feet, there may be an out-of-pocket expense.)
What if I need help, but I’m not sure if I have the coverage?
If you aren’t sure if you have this coverage and your vehicle breaks down, you can still call Agero. They can look up your policy and see if you have this additional coverage. If you don’t but you still need assistance, Agero can set you up with help.You’ll just have to pay on the spot for any towing or service call.
Emergency Roadside Coverage is just another way ERIE is with you for every mile you travel and every turn you take. Better yet? If you add this coverage, you can call on us. There’s never any “I told you so” about driving with your low fuel light on. (Promise.)
Want more tips to be ready on the road?
Check out these related stories from the Eriesense blog:
*Roadside Service coverage is only available when comprehensive coverage has been purchased on the vehicle Limitations apply in North Carolina and Virginia.
Posted on 16 May 2019 | 9:00 pm