We all know riding a motorcycle is very different from driving an automobile, and that means insuring your motorcycle is different as well. A good insurance policy will protect you and your motorcycle, and can protect you from careless automobile drivers. Here are the top things you should know about motorcycle insurance:
First of all, there are no set rates. Factors such as age, driving history, what type of bike you ride, and where you ride it will all be used to determine your insurance rates. Fortunately, you can find discounts that apply to safe driving records, safety features on your bike, any motorcycle riding courses you’ve completed, and even by combining insurance policies with one company.
Before purchasing insurance, you should be aware of any state laws requiring minimum coverages. A bare minimum policy will provide basic liability coverage for property damage and physical injuries to others if you are the cause of an accident. However, be aware those minimum policies won’t repair or replace your motorcycle.
Many times motorcycle passengers are not automatically covered, so if you will be frequently riding with a passenger, you should consider purchasing that type of coverage.
The best policies will offer you full Comprehensive and Collision coverage. Comprehensive coverage will protect you in situations that are beyond your control, such as fire, theft or vandalism. Collision coverage will pay for repairs if your bike is damaged or totaled in an accident, regardless of who is at fault.
Be sure to provide enough coverage for uninsured motorists and medical liability costs. Many drivers don’t have insurance, so this is a good option to consider. Motorcycles are smaller than cars, but they can cause serious damage in an accident, so medical liability coverages should be adequate.
If you would like to know more about what motorcycle insurance is right for you, simply contact us, and we’ll be happy to help.
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