Motorcycle Insurance
If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.
What Is Covered Under Motorcycle Insurance?
The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:
- Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
- Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
- Property damage to your motorcycle caused by a collision with another object
- Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
- Roadside assistance
- Towing
- Trip interruption expenses
- Additional or specialized equipment
Contact our agency today to learn more about the protections that may be available to you.
Why Do You Need Motorcycle Insurance?
Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.
How To Get Motorcycle Insurance
If you need a motorcycle insurance policy, we’re here to help. Call Good & Associates Insurance Solutions to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.
Tips for the cost-conscious motorcyclist
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
- Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
- Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Additional coverage can also be purchased for trailers and other accessories. You should talk to your insurance representative about the type of coverage that would best suit your needs. Contact us today at 800-689-8887! We want to hear about your prized possession and offer suggestions specific to your needs.