Motorcycle Insurance FAQ
You wouldn’t hastily buy a motorcycle, so you must take the same care when purchasing motorcycle insurance for your bike. You want coverage that best fits your needs. Similar to auto insurance, most states require liability insurance on your bike. But, if you want more here is some information to help get you started on your coverage journey.
Liability: Only covers damage to other’s property when in an accident. There is also something called “guest passenger” liability that covers anyone riding with you. your bike.
Comprehensive: Pays for damage caused by something other than an accident, such as vandalism, theft, etc.
Collision: Covers damage to your motorcycle in an accident minus the deductible.
Customized parts coverage: Most policies only pay for factory parts. If you have upgraded your bike with custom parts, this one is for you. You can add on to your policy
Here are some things that can affect your policy costs…
Age, driving record, and location
Style of bike you ride
Number of miles ridden per year
Where you store your bike and its age
If you like saving money, here are some tips that can lower your policy…
Multi-bike discounts: more than one bike? Great! That can save you money to bundle.
Organization discount: If you belong to a bike group, you may be eligible for a discount
Motorcycle courses: Taking a motorcycle safety course can lower your cost
Mature rider discount: Have you been riding for a while? Awesome! This experience will help your finances
This list is by no means extensive but it can help get you started. We work with a lot of carriers who offer competitive rates on motorcycle premiums. Contact us to compare rates between insurance providers.