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What to know about motorcycle insurance

When it comes to your motorcycle, you want protection out there on the road. After all, you are more exposed to the elements and other drivers than you would be in a car.

Different types of coverage

Automobile drivers know there are several different options for insurance coverage that protect you against instances that could occur. For motorcycles, there are even more. Here are some of the different options for motorcycle insurance:

  • Bodily injury and property damage liability
  • Comprehensive and collision coverage
  • Uninsured/underinsured motorist
  • Medical payments
  • Custom parts and repairs
  • Roadside assistance

    How much do you need?

    Nearly every state requires that you get some form of motorcycle insurance for your ride. How much you need will depend on where you live, for the most part. Many states require that you have some form of coverage for bodily injury per person and per accident, as well as property damage insurance. It can be wise to get a policy that has coverage at least a little above the state minimum to be sure you are able to cover your expenses and get back out on the road after an accident.

  • Adding motorcycle insurance to your automobile policy

    If you own a car and a motorcycle, you can save some money by insuring the two together. If you have an existing car policy, it is possible to add your motorcycle onto the same coverage. The downside is that when you add a motorcycle to an existing policy, you may be limited to the same types of coverage and it could be harder to customize special needs.

  • Type of motorcycle

    Whether you own a new motorcycle or a vintage one, there are options out there for you. However, if you have a classic ride that is hard to come by, you may want to consider getting more insurance than you would for a bike that is more popular and has parts that are easily found.

  • Motorcycle safety

    Taking a course in motorcycle safety can not only help your driving practices but will also save you money over time. Most insurers will reduce your monthly payment when you show that you have taken a course in motorcycle safety. As a safer rider, you are less likely to get into an accident and are less risky to an insurance provider. Just be sure that the course is approved by your insurance before you take it.

  • Insurance discounts

    You can reduce your monthly insurance payment by taking advantage of discounts offered by your provider. Some of these might include a discount if you are a homeowner or you pay all your bills on time for an extended period of time, in addition to a safe-rider reward or a claims-free renewal when you re-purchase your policy. Check with your provider about the different types of discounts available to you.

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