2. Check the belt or chain. Make sure it is set to the manufacturer's recommended tension. And if you have a chain, lubricate it.

3. Check nuts and bolts. Start off the riding season with a solid bike. Make sure everything is tight. "A well-maintained motorcycle not only assures a fun time, it can save you money by avoiding accidents, which helps to keep your insurance rates down," says Rick Stern, motorcycle product manager, The Progressive Group of Insurance Companies.

4. Inspect tires. Look for any damage and also make sure each tire is inflated to the correct pressure. You've only got two tires, so for maximum stability it is very important to avoid underinflation as well as overinflation.

5. Look for fluid leaks. The easiest way to check for this is to look at the floor under the motorcycle. Leaking oil or brake, radiator or clutch fluid can cause their own special problems. For example, being low on brake fluid could make it hard to stop your motorcycle. You don't want to find that out after you're already on the road.

6. Check all lights. Make sure headlights, taillights, brake lights and turn signals are all functioning properly.

7. Brush up on your riding skills. Find a safe place to practice riding skills such as fast stops, figure eights, U-turns, etc., so you're ready for the season. You'll be glad you did.

8. Update your policy. Perhaps one of the most important things you can do at the start of the season is review your insurance coverage to be certain you, and your bike, are covered. Talk to your local independent insurance agent.

Independent agents represent many companies and they can help you understand the coverages you need. An independent agent can also help you find the combination of price and service that's right for you. To learn more or to find an independent agent, visit driveinsurance.com.