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: 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.
Get a quote instantly. All we need is some basic information about your home, auto or business.
Accepted the quote? You are ready to complete the application quickly & easily online! You will receive all the documents you need and any signatures that are required will be captured via Docusign.
Upon carrier approval, you will be covered and ready to enjoy all the peace of mind that comes with it. You'll receive an insurance binder with all supporting documents.
The information contained in this website is provided for informational purposes only, and should not be construed as advice on any matter. The material in this website may not reflect the most current developments within the insurance industry. We disclaim all liability in respect of actions taken or not taken based on any or all of the contents of this website to the fullest extent permitted by law. Do not act or refrain from acting upon this information without seeking professional advice from a licensed insurance agent.