When it comes to your motorcycle, you want to make sure you are getting some good coverage for you and your bike. As the warm summer months approach, more and more people will be out on their bikes and taking advantage of the good weather. Before you hit the road this spring, make sure you have good motorcycle insurance.

Here are a few things to look for when searching for the good motorcycle insurance.

Affordable rates

When it comes to purchasing motorcycle insurance, you want to make sure that your policy fits within your budget but still gives you the coverage you want in need. A smart way to find great insurance value is by shopping around to find the competitive rates and quotes in your area.

A great insurance agency will be financially sound, offer you discounts, and give you more ways to save on your motorcycle insurance payment every month. These discounts can include safe driver discounts, discounts for being a part of a motorcycle association, and other discounts if you qualify.

What to look for

Great motorcycle insurance will be financially strong, have thorough coverage options, offer you discounts, and have a strong claims service department. A great motorcycle insurance policy will offer you liability coverage, medical expenses, uninsured or under-insured motorist coverage, collision coverage, OTC (other-than-collision) coverage, and guest passenger liability.

Liability coverage will cover other peoples’ expenses if you are the cause of an accident. This could include medical expenses, legal fees, or property damage.

Medical expense coverage helps protect the financial side in case you are involved in an accident.

If you live in a place with a high number of uninsured drivers, purchasing uninsured or underinsured motorist coverage could help you in case you are involved in an accident with a person who doesn’t have car insurance. This coverage could cover your medical bills and property damage in case an accident were to happen.

Collision coverage will help you repair your motorcycle after an accident. If you drive a vintage, classic, or expensive bike, you may find that this coverage allows you to replace or repair your vehicle if it is damaged.

OTC (other-than-collision) insurance covers your bike against other damage that didn’t occur in a car accident. This could include vandalism, theft, or weather damage.

Finally, guest passenger liability is important if you routinely have people ride on the back of your motorcycle. Even if you have passengers infrequently, this covers them in case they are injured on your motorcycle.

More insurance information

Some states don’t require motorcyclists to have insurance, but it is always a good idea to have this level of financial and personal coverage. Often, your state’s minimum motorcycle insurance coverage won’t be enough to cover you in case of an accident.

Most of the motorcycle coverage options listed above are not required by every state. When you buy motorcycle insurance, make sure you know what kind of coverage your state requires and what kind of coverage you are looking for.

 

Let us help you when you need it. Please insurance, contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.