Spring is around the corner and for many that means more time to ride your motorcycle. Of course whether you are planning a long ride or just some local cruising around town, you must make sure your motorcycle insurance is up-to-date and that your coverage is appropriate for your state requirements.
The first step to finding the right insurance for your bike is to understand the types of coverage available. Generally there are 4 types of coverage available for your motorcycle; collision, comprehensive, uninsured motorist insurance, and liability
Collision coverage covers your motorcycle during an accident while comprehensive covers damages to your bike resulting from other circumstances, such as storms or robberies. Uninsured motorist coverage on the other hand protects you from motorists who do not have insurance. Finally, liability coverage handles the expenses associated with bodily injury and property damage that you might cause in an accident.
Once you understand the types of motorcycle insurance coverage available you need to determine what coverage your state requires for your bike. Since insurance laws vary from state to state it is always best to review your local DMV website to determine what your state law requires or to contact an insurance specialist to assist you. Remember state coverage requirements set the legal motorcycle insurance coverage minimum allowed in your state. Taking out only the minimum coverage required however is not allows advisable for your safety and security. It is often best to select an insurance policy that goes beyond the required minimum for certain coverages. It is important to consider your bike, your riding habits and your budget carefully when selecting the coverage included in your policy. For example, paying a little extra per month for comprehensive coverage on your motorcycle could save you thousands of dollars in the event of an accident.
Once you have considered the coverage you would like included in your policy the next thing to do is find the right insurance company for your motorcycle insurance. Make sure you do your research when selecting an insurance company. Look for companies with high customer ratings and quality customer service. Most importantly always request insurance quotes when researching insurance for you bike. Any reputable insurance company should be able to give you an insurance quote so you can gauge the costs of your motorcycle insurance policy.
Call us today for your motorcycle insurance quote so you can get the coverage you need.