You must have right type of motorcycle insurance coverage before you hit the road. You probably spent a lot of time searching for the right bike, so take time to get the right type of coverage for your prized possession. Find out about your coverage options and shop around for the best deals.
Find out about the discounts for which you may be eligible. Compare quotes from a few reputable insurers before you sign up. These steps will help you to get the coverage you need at a great price. Get free, no-obligation motorcycle insurance quotes from the top insurers now.
What does insurance for motorcycles cover?
You need to get liability coverage that pays for injuries or property damage caused by you to others in an accident. Collision coverage pays for damage to your bike resulting from a collision with an object or vehicle. Comprehensive coverage pays for damage to your bike due to causes besides a collision, like storms, hail, fire, vandalism, theft, and falling objects.
You can get coverage for injuries and other damage resulting from an accident caused by an uninsured / underinsured / unidentified driver. Coverage is available for custom equipment and parts that were not fitted by the manufacturer. An OEM endorsement will ensure that only OEM equipment and parts will be used to repair your bike. You can get coverage that pays medical costs for you and any passenger, regardless of who caused the accident.
Find out about the different types of discounts
A variety of discounts are offered by insurance companies. You may get a discount if you insure all your vehicles with the same insurer. Clubbing your motorcycle and home coverage can help you to get a discount. Just being a homeowner may also help you to qualify for a discount.
Completing an approved safety course can help you to get a discount. Membership of the Farm Bureau or a motorcycle rider’s association can help you to qualify for a discount. A theft recovery device, like a GPS or radio, which has been installed by a professional, can help you to get a discount. An anti-lock braking system (ABS) may also help you to qualify.
You can get a discount by paying your full premium at one time. While a larger deductible will help you to reduce your premium, it will mean that you will have to pay a larger part of any loss. You need to decide about whether the extra risk is worth it.
How can I get a better deal?
Shop around for the best deals and choose an option that offers the best possible coverage at the lowest price. Ask a few reputable insurers to provide quotes for the same type of insurance, so you will be able to compare them easily. Online reviews will help you to see if the insurers have high ratings. You can negotiate a much better deal if you are aware of what is being offered by different insurers. Get free, no-obligation motorcycles insurance quotes from the leading insurers now.