Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you or a passenger is injured in an accident, medical costs can be expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen?
- What discounts and programs are available? (safety course, motorcycle association, multiple policies.)
- How much medical and liability coverage should I have?
- What's the process for filing a claim?
Tips for the cost-conscious rider
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.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- 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.