Motorcycle Insurance: What To
Look For In A
Motorcycle Insurance Policy

Motorcycle Insurance is essential for the motorcycle enthusiast.

Are you a person that dreams of sun-drenched afternoons cruising on mountain roads or along the coastline?

Your bikes may be your family hobby. Do you hit the trails with your wife or your kids? Do your kids like motocross?

Your motorcycle may be a daily driver or a workhorse. It may haul you out to your hunting camp and back home again.

No matter what your motivation is for owning and operating a motorcycle, you will need motorcycle insurance. But all motorcycle insurance policies are not the same.

Here are some features and coverages you should look for when shopping for motorcycle insurance:

• Year-round coverages - Many people run their machines year-round. Some insurance companies require a “lay-up period,” in which you cannot use your bike without having no coverage.

• Safety apparel coverage - look for coverage for your helmets, goggles, gloves and boots. That stuff is protecting you and keeping you from scrapes and injuries. Make sure it’s covered.

• Towed trailer coverage - if you hook up to a trailer or sidecar, you’ll need coverage.

• Optional towing and roadside assistance.

• After-market parts and accessories - some policies don’t cover aftermarket parts like extra chrome, side cars, custom paint, etc. Make sure yours does.

• Transport trailer coverage - If you’re hauling your bike or bikes on a trailer behind your vehicle, the trailer needs coverage. Instead of buying a separate policy for the trailer, put the coverage on this policy as a rider and save money.

• Collision Coverage and Other than Collision (OTC) Coverage - this coverage takes care of your bike if you run into something. OTC covers things like theft and fire.

• Increased limits on Liability - Carry at least the same liability limits on the motorcycle policy as you have on your auto policy.

• Medical Payments - this is usually “good neighbor” insurance for injuries to others.

• Broad Eligibility - some insurance companies exclude certain models of motorcycles, especially high-performance, trikes or custom built models.

Motorcycle insurers also offer a variety of discounts, such as:

• Multi-Unit

• Multi-Policy

• Safety Course

• Prior Insurance

• Renewal discount for maintaining continuous coverage

You will also find a wide choice of deductibles and payment plans available. Choosing higher deductibles will lower your premiums. Flexible payment plans will help you manage your budget.

By using these strategies, you’ll have the best chance at having fun cruising or riding in the dirt!

Return From "Motorcycle Insurance" To Homepage