You know it is officially summertime when you hear the roar of the motorcycles riding through the city. Your motorcycle is a big investment and needs to be protected! Our motorcycle insurance policy offers protection for you, for your bike and for your accessories.
What’s Does Motorcycle Insurance Cover?
Mandatory motorcycle insurance requirements vary by state. Most states require you to carry a minimum amount of liability coverage. Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It does not cover you or your motorcycle. Collision insurance, comprehensive coverage and uninsured/underinsured motorist coverage are optional coverage’s that you may wish to add to your policy. We can help you put together an insurance policy that will provide the type and amount of coverage you need.
Factors That Can Affect Your Premium:
- Driver’s age and driving record
- Where the driver lives
- Model, style (sports bike vs. cruiser) and age of the motorcycle
- Number of miles the motorcycle is driven each year
- Where the motorcycle is stored
Motorcycle Insurance Discounts
There are also ways of saving money on motorcycle premiums, depending on the company and the state. Some common discounts include:
- Multi-bike discounts
- Motorcycle association discounts
- Discounts for experienced riders
- Installation of anti-theft devices
- Completion of safe driver training courses
According to the National Highway Traffic Safety Administration (NHTSA), 4,400 motorcycle riders died in 2009. Is it any surprise that so many states require drivers seeking to obtain their motorcycle licenses or endorsements to take a basic motorcycle safety course? Here are a few tips that will help you have the time of your life and come away all in one piece:
- Wear a helmet
- Wear gloves
- Wear proper boots
- Look where you want to go
- Use both breaks
Visit the Motorcycle Safety Foundation to obtain additional motorcycle safety information.
Ensure you get the right price, service and protection from someone you trust. Contact us today at 800.277.0013.