Thinking of getting a new motorcycle?
Each state varies in what coverage is mandatory for motorcycles, so a good place to start your inquiry is with the local DMV. For example, Alaska requires $100k of bodily injury insurance versus New Jersey, which only requires $30k.
Another valuable resource if your local independent insurance agent.
Motorcycle insurance coverage simplified
When it comes to getting the right coverage for the right price it makes sense to speak with a local agent.
For example, the folks at Bruen Deldin DiDio Associates offer motorcycle insurance for NY and CT and can clarify for you the requirements for each state, as well as the types of insurance coverage options that are best suited to your riding habits and situation.
When it comes to policy provisions and coverage options it can get a bit confusing… unless you speak “insurance.”
Ask your local agent to clarify whether general liability or GL coverage includes personal injury coverage. Personal injury protection, or PIP, is often overlooked and is what covers a rider (not only the driver) on the bike that may be injured in an accident.
It can make a difference if a claim is sought in terms of how much medical coverage is available per person.
Generally motorcycle insurance is about a third of what you are paying for your auto insurance and the logic is you will be able to cause less damage potentially with a motorcycle than a car. What you pay will ultimately depend on:
- where you live
- whether you have completed a driver safety course
- how often you will ride the motorcycle
- the value of the bike
- weight of the bike
- your credit history
- driving record
Often, it is less expensive to get a policy from your current insurance company, as discounts are available for multiple policies. Or if you are getting a new quote from a new agent ask about “bundling polices” to see how much you can save. For example, a friend of mine recently switched his homeowners and auto policies and saved more than $2000 a year off both policies.
So it pays to ask.
Additional quotes you may want to consider would be:
- collision coverage
- comprehensive coverage, which covers property damage
- accessory coverage for custom parts that are add-ons to bikes and motorbike accessories.
The information you should have ready before you look for quotes will be roughly the same checklist you need for a vehicle. When getting a quote it’s good to have this information handy since an independent agent will need to know:
- the VIN or detailed description of make and model of the motorcycle
- any information about after-market parts added to modify the bike
- names of the people who will ride the bike, dates and details of past claims
- sale info and transfer of title and whether the motorcycle is financed
Getting the right policy doesn’t have be to complicated, or a hassle.
And if you’re already covered by a motorcycle policy it’s always a good idea to get a free insurance review. This way you can be sure that you have the coverage you need to protect yourself and your bike without breaking the bank.
Get your free no-obligation quotes today
Are you searching for affordable motorcycle insurance?
Save time and aggravation with a free, customized, quote comparison from qualified insurance providers. It only takes a couple of minutes so why not enjoy peace of mind by getting the coverage you need.
Get your FREE, no-obligation motorcycle insurance quotes today.
Or you can search through our list of auto insurance providers for your State or Metro area that can help you get the insurance coverage you need.
Either way the choice is yours…