Motorcycle Insurance

Well congratulation owning your own motorcycle. They give you the feeling of living free.  But sometimes that free feeling comes with a cost.  That’s why, it is important that you have all your ducks in the row when selecting your motorcycle insurance.

Remember, there are many different plans. But one thing to note is this:


Do you want full replacement value should your motorcycle be stolen or damaged in an accident.

(This can be the big difference between one carrier premium and the next).

If you bought a new motorcycle, most likely you will have to have full coverage; otherwise you will not get coverage


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There are three main types of policies to consider.

  1. Liability:
    •  This type of insurance is the least expensive to buy.  It’s designed to protect the other driver and not you and your bike. ( Take this into consideration)
  2. Collision:
    •  This will help you to protect your precious asset – your motorcycle.  It will help pay for your bike in the event of an accident.
  3. Comprehensive:
    •  When getting a comprehensive policy, you can buy all types of protection such as fire, vandalism, theft and accidents.

Now, there are factors for comprehensive, such as the deductible you are willing to pay.  If you have a higher the deductible, then you will have a lower the monthly premium.  The only thing to consider is if you have an accident.  You will have to pay the higher deductable which can hit the pocket book and the wrong time.


WHAT THE INSURANCE CARRIER WILL CONSIDER

  1. Type and size of the motorcycle
  2. Your age
  3. Driving record
  4. Driving it for work or pleasure.  How many miles every year.
  5. Where you live and what extras you put on your bike.

Looking to start finding the best rate for you and your bike?  Start now.. it’s fast and simple.


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