For many people, motorcycles symbolize freedom – it is exhilarating to be out in the open on your bike and feel the wind blowing by, no metal cage around you. However, motorcycles are also known as more dangerous when it comes to accidents – after all, there is not much between the rider and the object during a crash.
Whether you are riding a motorcycle every day and see it as your lifestyle or keeping it mostly locked away, you need to think about motorcycle insurance.
First and foremost, you need motorcycle insurance to protect your motorbike just like car owners need auto insurance and homeowners need homeowners’ insurance. If an accident occurs, insurance ensures you are covered for the injuries you have caused, as well as for the damages to your bike.
Consider the following:
Additionally, many states require motorcycle insurance before you can drive on the road.
Similar to many other insurances, first, a specific policy is chosen and then, additional coverages can be added. A basic insurance policy usually includes the following:
There is also a range of other policies you should consider taking out, including:
When purchasing motorcycle insurance, there are several things to consider. Here are a few questions to remember when speaking to your insurance agent:
If you own a vintage motorcycle, your insurance needs might be slightly different, which is why you should ask about classic motorcycle insurance. Motorcycles are typically classified as classic when they are older than 25 years.
See more about Auto Insurance
Insurance companies evaluate a range of factors when deciding on the cost of an insurance policy. The main points they consider:
In addition, there are several other things to pay attention to in order to lower the cost of motorcycle insurance:
Securing your motorcycle does not need to be a hassle. Email our experts or request a free quote on our website to make sure you have the right insurance when you need it.