What You Need To Know About Motorcycle Insurance

We all know riding a motorcycle is very different from driving an automobile, which means ensuring your motorcycle is also different. 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. Age, driving history, bike type, and where you ride 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 know of state laws requiring minimum coverage. A bare minimum policy will provide basic liability coverage for property damage and physical injuries to others if you cause an accident. However, those minimum policies won’t repair or replace your motorcycle.

Motorcycle passengers are often not automatically covered, so if you frequently ride with a passenger, you should consider purchasing that type of coverage.

The best policies offer 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. Motorcycles are smaller than cars but 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.