Call Us at (833) 857-6819 to find the best motorcycle insurance that fits your needs at an affordable price.
Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle at an affordable cost.
In order to find out what coverage is best for you, it is important to understand all the options available.
Motorcycle coverage basics
Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional.
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle. Guest Passenger Liability, which provides protection in the event that a passenger is injured on your motorcycle.
Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle.
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism.
Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage.
Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who doesn’t have insurance.
Factors that affect your motorcycle insurance costs
Your age, your driving record and possibly your credit score.
Type or style of bike you ride.
Age of the motorcycle.
Number of miles you ride per year.
Where you store your bike
Motorcycle insurance policies vary so, as always, shop around for an insurer and insurance professional with whom you feel comfortable.
Tips for saving on your motorcycle insurance.
As with auto insurance, maintaining a good driving record will help bring your premium costs down. In addition, some insurers offer driver discounts and other ways to save money on your motorcycle policy.
Training course discounts are offered to graduates of classes such as the Motorcycle Safety Foundation (MSF) rider course. This is particularly useful for riders under the age of 25, usually considered a higher risk.
Combine your motorcycle policy with your home, renters and auto policies.
To help you answer any further questions please call our Agents at (833) 857-6819