Please refer to the for benefit coverage, exclusion, exact terms and conditions. RG45 postcode (low to medium risk) Rider 1, 24-year old: Fully Comprehensive Insurance £1500 per year, £250 excessBest For. See below for cover details. October 4, 2022 Insurance. Compare Our Third Party and Comprehensive Cover to PROTECT You Out on the Road. Most homeowners or renters policies have low limits on sporting goods equipment such as bikes, and cyclists are surprised to learn damage to their bike or e-bike may not be covered under their current property insurance. Which meant wasting time getting quotes for bike insurance – as well as home insurance and car. But that’s just the tip of the iceberg. Read ahead to learn more. We understand that some customers like to compare motorbike insurance quotes online. Cheapest Motorcycle Insurance: Geico. It wasn’t until 1954 when Kawasaki released. All of our policies insure individuals for personal and recreational use only. Best for high-risk. In addition, many of Harley's discounts are easy to get. See how much you can save with GEICO on insurance for your car, motorcycle, and more. The average cost of motorcycle insurance in the U. 0330 041 9410. The average cost of motorcycle insurance in New Jersey is about $25 per month, making Progressive 32% cheaper than average. 5-star quality motorcycle insurance from as low as $8. Harley-Davidson. GEICO: $82 per year. (PC), a Suncorp Group company. Motorbike insurance groups typically range from one up to 17, but some insurers have groups that go up to 22. Foremost: Best for Track Riders. Simply select your make, model and type to see ratings for: Comprehensive Coverage Rating Group – The cost of comprehensive insurance. Insurance. Simply reach out to us online or visit one of our local offices, and we’ll search for the auto insurance policy that best suits your needs. Based on our findings and years of insurance expertise, we selected a list of five top providers for motorcycle insurance coverage. There’s a few places in Ireland people love to go at the moment for Motorcycle insurance. Bike Insurance. Cars and vans follow a similar but different set of groupings, so even if you’ve been driving a car for years, don’t assume you know the lay of the land when it. We even offer exclusive road assist 24/7, 365 days a year in the event of a. 24/7 hassle-free claim service. Get the right motorcycle coverage. Motorbike quick links Motorbike quick links. Harley-Davidson: Best for New Riders. His offices are. Because we put our policyholders first, we have become one of the UK's fastest growing independent specialist insurance group offering an extensive range of motorbike, car, van, home and business policies. Learn the nuts and bolts of motorcycle insurance and how it can vary from other insurance you may already be familiar with. Bullet models include the Bullet 350, Bullet. Call for a Moto Guzzi Motorcycle Insurance quote today0345 872 3614. Commissions do not affect our editors' opinions or evaluations. Up to 5% discount on your motorcycle policy if you also insure your car with. But that’s just the tip of the. But a study from the Department for. Compare motorbike insurance quotes from up to 40 providers - more than any other site. All discounts are subject to a €246. These are the typical insurance group ratings for the 10 most common motorbikes on UK roads: BMW R1200RT (Large Tourer) – Group 11. Learn more about Nationwide motorcycle insurance and get a motorcycle insurance quote today. Progressive has the best motorcycle insurance for most people in Arizona due to its cheap rates and excellent coverage. Discover how bike insurance can protect you against theft, damage, injury, liability and other potential risks of owning a valuable bicycle or e-bike. Best Overall: Progressive. Honda manufactures a wide variety of motorcycle models, from Grand Prix racing bikes to small city scooters. It might just be that the mods you make to your bike can only lead to a high premium. Progressive Best Overall. Pacific Specialty Insurance Company is committed to the health and safety of our customers, employees, and agents. Hartford. and some insurers use letters instead of number… hence the reason so many riders are confused by it! Motorcycle insurance is a great idea for a number of reasons. Harley Owners Group, Motorcycle Safety Foundation, or many others, you could qualify for savings on your coverage. 68. Accident forgiveness. 937. The minimum requirements to operate a motorcycle in Texas are: $30,000 in bodily injury per person. Member benefits. Bicycle insurance is specialized coverage to help protect you and your bike from instances of damage, theft, or liability. £100,000 legal expenses cover. Read ahead to learn more. Foremost covers nearly everything from cruisers to dirt bikes, sport, trikes, classics, electric, scooters and much more! In addition to the liability and physical damage coverages you may find in a traditional auto policy, Foremost motorcycle policies are. Cheap price is only one thing to consider when choosing the right motorcycle insurance policy. Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer. Provided by Quotezone. Some options in Singapore: Yamaha MT-15 Xabre, KTM 1290 Super Duke R, Ducati Monster 821, Honda CB400 Super 4 Spec 2, BMW K1200R. Motorcycle Rating Groups represent engine size and the amount you can save on insurance compared to all motorcycles. They also provide bike replacement value compensation. The open road, the thrill of the ride—these are the things bikers live for. Peoria, AZ; Client Center; jeff@guardianinsgroup. Markel – Best for Mechanical Breakdown Coverage. Our hypothetical A2 motorcycle is a Triumph Street Triple, which is roughly Group 14 insurance The bike is worth £6500 and garaged at night. Read general car insurance advice. A standard motorcycle policy will typically cover: Bodily injury liability coverage. Power’s U. Best for New Drivers: Harley-Davidson. Rated Excellent 21,988 reviews on. High specification. A massive range of bikes from sports to tourers to scooters, BMW Motorrad have a solution for most popular styles of motorcycle. Those wanting to insure a car as well can take advantage of their 6 wheel insurance for bike and car and could save you up to £100. You can opt-out at any time. Motorcycle Insurance Groups Explained. Both have zero No Claims Bonus. Docs sent over in minutes by email. The good news is that mopeds are among the lowest insurance groups of any motorcycle. Nationwide – Best for Motorcycle Collectors. MCE Motorcycle Insurance – Considered one of the best motorbike insurance companies in the UK. Best for seasonal riders: Progressive. you can save up to 15% on your auto insurance. 702-802-4777 Out of Area: 844-396-9505. Discounts available for having a claims-free driving record, for insuring more than one bike with the. Accessories or spare parts kept on the motorcycle or in a locked garage if your motorcycle is stolen. Power’s U. Insurers use factors like performance, value and repair costs to determine which groups to put a particular. As an independent insurance agency, we are. In addition, many of Harley's discounts are easy to get. We have a helpful customer service team, so chat to our bike insurance experts on 0344 776. Price: £3699 (new) Honda CBF125 is one of the top contenders. The best option for group 2+ motorcycles and drivers with a full, clean class A licence, and 2+ years No Claims Discount. 00. A Few Benefits of Tata AIG’s Third Party Bike Insurance Online. You expect to be taken care of. So, a $3,000 bike can be insured for about $200 per year against physical damage and theft. Our team was quoted $730 a year or $60. Ride. Property damage liability coverage. General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for New Jersey. You will often find that motorcycle insurance groups seem to have no industry standard and the way that insurers apply pricing groups to motorcycles varies. Essentially most scooters over 200cc classify as a maxi scooter. Motorcycle Insurance Estimator. 7611. is $519 annually. Groups are based on factors like engine size and value. Progressive: Best for Accident Forgiveness. Best for Liability-Only Coverage: Progressive. TPO £79. Jensen Insurance Agency. Get a quote today! Between 2021 and 2022, the average annual cost for a liability-only motorcycle insurance policy at Progressive ranged from $127. With its haunting melody and psychedelic feel we say it’s one of the best rock tunes to have been released this century. Motorbike & Classic Car Insurance. 99/mo. Find your bike in the list below. ING is Australia's most recommended bank according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805) when compared to customers of 20 other banks operating. Personal property coverage on most home, renters, and condo insurance policies may cover your bike for its current value if it's stolen or vandalized, up to your coverage limit and minus your deductible. Motorcycle track day insurance can also help protect you from legal liability. Learn about common brands we insurance and tips to help you save when quoting. We stand behind our policies with industry-leading services, coverage, and support. We offer motorcycle insurance coverage to meet your needs, regardless of the type of bike you own. We’ve developed this quick motorcycle insurance estimator to give you an accurate motorcycle insurance quote in under one minute. Since cars offer more protection to drivers than bikes do to riders, basic car insurance tends to focus more on covering potential damage to the vehicle itself and the property it might strike in an accident. Bennetts was the first bike insurance broker to. $50,000 for bodily injury per accident. 17/11/2023. , to proceed. Flawless lines, naked styling, agile and responsive on the road. We would be remiss if we did not mention Harley-Davidson insurance coverage for motorcycles. Getting a free online quote now is straightforward too. These normally range from 1-17, but can go up to 22 depending on the provider. Compare introduces customers to Vast Visibility Limited which is authorised and regulated by the Financial Conduct Authority. 4. Manage your policies, pay your bill and get ID cards, all in. Ontario motorcycle insurance. Monday–Friday: 9:00am – 6:00pm, Saturday 9:00am – 1:00pm & Bank Holidays 10:00am – 2:00pm. 50 per month!On a yearly basis, you must buy compulsory motorbike insurance also known as compulsory third-party liability insurance (CTPL), as it is a legal requirement here in Thailand. No matter where you live in Kentucky, there's a. In a way, it is very similar to car insurance. Whether you ride a SST 240 or Raptor 125, Devitt aim to provide you with a hassle-free, straight-forward and friendly service. It can also provide coverage for damage or loss to your motorbike due to theft, fire, vandalism, and other causes. While these minimums are relatively average compared to other states across the U. It also allows a friend or family member to borrow your bike for a short time. Wide-ranging policy options and. Triumph models. Yamaha R3 vs Kawasaki Ninja 400. That's $17 per month less than the state average. You may choose to purchase additional coverage, but you must at least have the Tennessee required minimum motorcycle insurance requirements. You can get a free online. Tell us about yourself, your motorbike and what type of insurance you need. In comparison, Progressive offers the most expensive motorcycle insurance carrier in the state at an average of $90. Generally, to take out classic scooter or moped cover, your vehicle will need to be at least 20 years old. Harley-Davidson. A Guide to UK Motorcycle Clubs | UK Motorbike Club Guide. California’s year-round riding season and high population density. Compare Quotes. Motorcycle insurance can cost anywhere from $85 to $2,000 per year or more. Once again your driving record will be considered in addition to the cycle type. Explore cheap car insurance groups. Quick & easy – takes less than 5 minutes. )Progressive – Best for Accident Forgiveness. Dual purpose: KLR, KLX, KLE, F1TR, F2TR, J1TR. Two-wheeler insurance premium is based on various factors including age, location, make & model of the bike, choice of coverage, driving history and claim history. Foremost – Best for Track Riders. The cost of motorcycle insurance can vary greatly, but the table below shows you the average premiums for various groups: Average insurance premium [1] Bike: £586: 125cc bike: £758: 50cc bike:. 77 ($26. Find out more about car excess cover and home excess cover. Is your home, car, boat, or RV insured with us? You could save even more on motorcycle insurance if you combine it with another Progressive policy. Our range of 8 add-ons enhances your two-wheeler insurance policy to offer you a 360-degree protective cover. - Step 5: Select your bike's appropriate IDV ( Insured. Rider 1 is 24 years old. Preserve your annual no claims bonus. Call 1-888-938-2121 for a quote. Should you fail to provide one, you will be fined between $5,000 and $25,000. 99/mo. Most bikes can be covered – from scooters to superbikes and everything in between. Motorcycle insurance groups range from 1 to 17 but the majority of Maxi Scooters are in the mid-range. Admiral is a UK based insurance company, set up in 1993 to specialise in car insurance. Single 6 month payment. Whether or not you are at fault. PC is an authorised agent of nib and receives commission from nib. Liberty Mutual. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Ltd trading as "Austbrokers Countrywide" ABN. We now offer great rates on coverage for motorcycles, too! Whether you're cruising Kentucky's country roads on a classic chopper, touring cycle, or a sport bike, we've got you covered. High insurance group factors: A car rated closer to group 50 will possess the following characteristics: Large size. General advice does not take into account your. CPLT is low-costs and only includes medical coverage. Nationwide is proud to offer motorcycle insurance in PA. Other Insurance. Covers damage or theft of the motorcycle (s) and accessories while in or on the motorcycle within the territorial limits. It was in 1949 when the Kawasaki Company made its movement into the motorcycle industry – originally, by building engines for other bike brands, as well as engines for aircraft. Great Service at an Affordable Rate. The own-damage cover is a type of bike insurance plan, providing financial coverage for the damaged bike of the policyholder. However, costs can vary by as much as $400-$500 based on various factors, according to data from. If a theft or attempted theft happens within a 500 metre radius of either address and the vehicle is not in a locked garage or building, you will not be able to claim for theft or attempted theft. Compare Quotes. (702) 382-4010. If you’re buying a new car or looking to renew your car insurance on an existing vehicle, it’s always handy to know what insurance group it’s in. To get a free, no-obligation quote from Dairyland, enter your ZIP code above or call InsuraMatch, a Travelers-owned agency, at 1-844-403-1464 to speak with a licensed agent. Start your free no-obligation quote now. But that’s just the tip of the iceberg. Motorbike Insurance Motorbike Insurance. Optional extras like breakdown cover. It is ideal for all bikers who also have a car, including riders with motoring or criminal convictions, and includes: Insurance for motorbike modifications. Dairyland provides a variety of appealing coverage options, plus several easily attainable discounts. Here’s a statement from them if you need more info ; AON Motorcycle Insurance these guys no loner offer motorcycle insurance in Ireland . But, unlike car insurance groups that are standardised across insurers, motorbike groups can go up to 22 depending on the provider's rating. While these minimums are relatively average compared to other states across the U. That's the best price statewide and 44% cheaper than the state's. Velosure offers insurance policies based on your chosen discipline and type of bike, with policies for road bikes, mountain bikes, urban bikes, electric bikes, sports bikes and leisure bikes. 00) and Personal Accident. Third-Party Two-Wheeler Insurance: In India, third-party two-wheeler insurance is required for riding a bike. The cheapest motorcycle insurance in New Jersey comes from Progressive, which sells policies for an average of $19 per month. The first thing motorcycle riders may notice is that a motorcycle policy will run you more money on average than traditional automobile insurance. Tailor your KTM insurance with optional extras. Get home insurance. Because of this, you can save 50% or more on your motorcycle insurance policy by comparison. Because of their exceptionally high scores in every category, Progressive is our pick for best motorcycle insurance overall, with a total score of 97 out of 100. Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in New Jersey. 10% unique discount code for Sportsbikeshop. Bundle with your auto, home, or renters policy and see how much you could save!Now is your chance. Harley-Davidson: Best for New Riders. 48/month) in Delaware. S. Find out more about us and our. Learn about what Farmers covers, or contact your local Farmers agent today. Golden Brown – Stranglers. Our team chooses Geico, Progressive, State Farm, Dairyland and Erie Insurance as the best motorcycle insurance companies based on cost, coverage and reputation. Check the two wheeler insurance online quote for the renewal premium for expired bike insurance. The next rider is about one second behind the leader but on the right side of the lane. 44 per year for bike insurance based on Compare the Market data in September 2023. 1. Markel claims to specialize in motorcycle insurance, and that dedication truly shows through in its policy options. YOUR BIKE INSURANCE is $16. 653. Street-driven units include $3,000 in accessory coverage. 9,443 reviews on. The cost of 125cc motorbike insurance can vary based on several factors, such as your location, riding experience, the make and model of your bike, and your driving history. Ask about multi-policy discounts. Insurance groups are based on the value and power of your motorbike, and the type of motorbike can affect its engine size an GEICO offers motorcycle insurance for various types of bikes, such as sport, cruiser, moped, touring, and custom. Simply enter your details and get your sport motorcycle insured for as little as $12. In India, there are usually only two types of two-wheeler insurance plans sold by insurers for food delivery bikes. Dairyland. Available states. Best Motorcycle Insurance of 2023. Moped insurance Moped insurance explained; Multi-bike insurance Multi-bike insurance explained; Motorcycle Insurance Groups Motorcycle Insurance Groups explained; 1-Day Motorbike Insurance One day motorbike insurance does exactly what you'd expect. , Ste 668, San Francisco, CA 94104 and at 3140 Chapman St. [2] Home excess cover excludes accidental loss or damage claims. Generally speaking, higher value vehicles are in higher groups, and are more expensive to insure because of the higher cost of any damages. You may be interested in the products below. The BMF Foundation has a board of unpaid members and is totally independent from the BMF. Third-Party Two-Wheeler Insurance: In India, third-party two-wheeler insurance is required for riding a bike. Farmers is the smart choice for motorcycle insurance coverage. The average cost of motorcycle insurance is $364 (full coverage 50/100/25) per year. Yeah, the ideal policy is going to cost you some money. 59/month) in North Dakota to $317. Get quotes. 4. By Ramsey Solutions. What is the top speed of. Oakland, CA 94601. Contact Us. $5,000 for property damage. Optional. All RAC Members are automatically upgraded to our Bike Insurance Plus for free! Exclusive members offer* - free upgrade to our Bike Insurance Plus. Or. High maintenance and repair costs. Learn More. Best for Daily Drivers: Dairyland. Get. Progressive is the country's #1 motorcycle insurer. Definition. Best for Track Riders: Foremost. Choose from 3 levels of cover – Comprehensive, Third Party Fire & Theft or Third Party Only. We decided to provide some information on insuring a number of the most popular models. One day to 1 week motorbike insurance. Optional extras include: Helmet and Leathers (~£44. The motorcycle insurance companies used in rate quoting were: Acuity. There are between 17 and 22 insurance groups for motorbikes and different insurers will class motorbikes differently. Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Corporate Office - II, A-202, Piramal Agastya Corporate Park, Kamani Junction, LBS Marg, Kurla. See if you could save on your motorcycle insurance premium by comparing motorbike quotes with MoneySuperMarket. While the coverage offered here is not cheap, it is incredibly thorough. Call now 1-800-731-2228. £24. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. Compare Bike insurance NI Quotes Now. Bikes that fall into the higher number groups are. However, creating a full list of different motorbikes, engine sizes, and insurance groups available in the UK would be a huge task as there are hundreds of models, each with different variants and insurance groups. All of our policies insure individuals for personal and recreational use only. Affordability. Our cover and prices are flexible to suit a wide variety of budgets. As with cars, motorbikes are generally categorised by insurance providers into different groups, and the group a motorbike is in then usually determines its basic premium price. Motorbike Insurance. An Overview of Indian Bike Insurance. We decided to provide some information on insuring a number of the most popular models. 2023 Auto Claims Satisfaction. We've been arranging motorcycle insurance for UK riders since 1936, so you're in reliable hands. This Los Angeles-based company has been operational since 1928. The average price for motorcycle insurance with Dairyland is $16 per month in Washington. 1. Progressive – Best for Accident Forgiveness. Plus discounts of up to 50% when you bundle your bike with your home or auto insurance. Our team chooses Geico, Progressive, State Farm, Dairyland and Erie Insurance as the best motorcycle insurance companies based on cost, coverage and reputation. Docs sent immediately by email. 6 monthly instalments by direct debit. Learn why it’s important to have year-round coverage for your bike even if you aren’t riding in the colder months. Monday–Friday: 9:00am – 6:00pm, Saturday 9:00am – 1:00pm & Bank Holidays 10:00am – 2:00pm. Most of the insurance comparison websites will offer you. Markel has the highest rates in New Jersey, at $34 per month. 59/month) in North Dakota to $317. How do I choose the right AXA. Motorcycle insurance groups range from 1 to 17 but the majority of Maxi Scooters are in the mid-range. Enter your zip code. MCE provides fantastic benefits and great prices on all of their policies. Most electric motorcycles and mopeds qualify for the government’s plug-in grant. However, it was subsequently reported that: "The sale of Bennetts motorcycle. Foremost – Best for Track Riders. Welcome to MCN Compare’s insurance by bike type page, brought to you by the biking experts of Motorcycle News and the MCN Compare Insurance Team. According to insurer Progressive, New Jersey motorcycle owners are required by state law to have a policy with the following coverages: Coverage. Get an Online Quote. Travel medical insurance is also available, currently the limit is 90 days. (You can often add a further voluntary excess on top of this to reduce the premium further, if that works better for you. The company was founded in 1928 and services consumers nationwide. At The Guardian Insurance Group, our mission is very simple. Based on these quotes, we found that Dairyland is the least expensive provider for younger riders. Multi-bike insurance Multi-bike insurance explained; Motorcycle Insurance Groups Motorcycle Insurance Groups explained; 1-Day Motorbike Insurance One day motorbike insurance does exactly what you'd expect. Bike insurance prices depend on each person’s circumstances. We are happy to present the new Santander MAPFRE Plus Range Motorcycle and Moped Insurance, a comprehensive insurance adapted to your needs so that you are protected when you need it most. Bennetts is a specialist insurance broker for motorcycles headquartered in Peterborough, with a contact centre in Coventry owned by Saga. 2019 Aprilia RSV4 Tuono 1100 Factory vs 2019 Yamaha MT-10 SP. This way, you can get it home. We offer personalized quotes to help you find a. Nationwide also offers Delaware motorcycle insurance discounts to keep your rates low, such as multi. You’ll also find money-saving motorcycle insurance discounts and experienced customer service and claims support. The first thing motorcycle riders may notice is that a motorcycle policy will run you more money on average than traditional automobile insurance. Adventure: Tiger, Tiger Explorer and Tiger Sport Classics: Bonneville, Bonneville T100, Scrambler and Thruxton Cruisers: America, Rocket, Speedmaster and Thunderbird; Roadsters: Speed 94 and Speed Triple Supersports: Daytona Touring: Sprint and Trophy Whichever style is your favourite – be it an Adventure, Classic or Supersport. Save up to 85% by comparing plans. At Carole Nash, we’re proud to be one of the UK’s leading motorbike and classic car insurance brokers, so you’ll always have complete peace of mind. Contact your local Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. Car Insurance. 90 days full EU cover. 24/7 hassle-free claim service. 50 year-old with 20 years of riding experience. we make it easy by working with the best motorcycle insurance carriers in the country, like Progressive Insurance, the top carrier when it comes to motorcycle insurance. Get quotes from over 20 providers of NI insurance. $50,000 for bodily injury or death to two or more people. Change your email or postal mail address. 0333 005 3355. Get instant access to your current motorcycle insurance policy. 78. Just give us a call or file a claim online and experience cashless, speedy claim settlements. Motorbike Insurance Groups. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D. We’ve partnered with Compare the Market to help you understand insurance costs for your next bike. Third-party, fire, and theft. Get a Nevada motorcycle insurance quote in minutes. His offices are located at 235 Montgomery St. Motorcycle insurance premiums can range anywhere from a couple hundred bucks per year to more than $1,000 per year—varying by state, company and a whole saddlebag full of other factors. Insuring your bike with The Riccard Group, Inc. Excellent. Hop on — we're the #1 motorcycle insurance company in the U. Compare Quotes. Age & location are usually the main issues for insurance - under 25, and/or London means cost-a-packet. Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Pennsylvania. The value of your motorbike. Compare Bike Quotes. Included with Bike Insurance Plus. With MSRPs ranging from $2,500 to $24,000, your insurance rates could vary just as much. 20076; a Berkshire Hathaway Inc. Nationwide – Best. Get a quote from Bikesure. Best Insurance Companies for Motorcycles. for 125cc bike insurance [3] £498/year £41. We've been providing outstanding customer service for 85 years and we'll make sure you get the service you deserve. Across the country, motorcycle insurance costs can vary widely in price based on a number of factors. Foremost: Best for Track Riders. At The Riccard Group, Inc. Harley-Davidson has the best rates for motorcycle insurance in Georgia, with an average of just $21 per month. Its newest model is the CBF125F, an. Call 1800 818 751 Request a callback Get a quote online. So take a look or even bookmark us – our guide will be. Commissions do not affect our editors' opinions or. Harley-Davidson Insurance has affordable insurance options for all brands and types of motorcycles. The average cost of motorcycle insurance from. The cheapest motorcycle insurance for young riders was determined by analyzing quotes for 18-year-old riders with a 50/100/25 full coverage policy and a $500 deductible for comprehensive and collision coverage. Determine your desired level of coverage.