Getting the Right Motorcycle Insurance

Because every states sets its own laws regarding motorcycle insurance, finding the policy that’s right for you can be especially difficult if you plan on spending any time outside your state of residence.  Every state has different regulations governing the amount of coverage and liability that you have to get on your policy in order to be able to drive a motorcycle.  The only states that don’t require motorcycle insurance are Montana, Florida, and Washington.

More than simply complying with a state law, a responsible motorcyclist should carefully consider what type of coverage they would be comfortable with, what would fit their driving style, and what they can afford.  This can best be determined by a careful consultation with a trusted insurance agent.  He or she can help you figure out how to stagger your liability, collision, and comprehensive coverage, and how much protection you want in each category.  An agent can also educate you on the importance of an uninsured or underinsured motorist protection clause.

When you get ready for this conversation with your insurance agent, be sure to ask a few simple questions that can save you a lot of money:

  • Can I decrease my coverage during winter months when the vehicle isn’t in use?
  • Can I bundle my motorcycle coverage with home, life, or auto insurance to save money?
  • What level of coverage do I require?

The National Highway Traffic Safety Administration provides technical terms that you should be aware of in order to better understand your motorcycle insurance policy.  A motorcycle rider is defined only as the vehicle’s operator.  A passenger, on the other hand, is someone seated on but not controlling the vehicle.  The term “motorcyclists” refers to the combination of the two.  Knowing this goes a long way toward ensuring you’re getting the policy you need.

There are three other resources you may consult to better inform yourself before you get motorcycle insurance.

  1.  The Insurance Information Institute provides a guide that can assist you in determining the types of coverage that would best fit your needs.  It offers tips on asking about coverage for accessories, discounts on a second or third motorcycle, lay-up policies, and cheaper rates for safer models.  This latter question is one to carefully consider.  Statistics provided by the III show that super sport motorcycles have collision coverage insurance losses nearly four times as high as touring models and a whopping more than six times as high as cruiser models.
  2.  The Department of Motor Vehicles provides a state-by-state guide to motorcycle insurance laws in the United States.
  3. offers a chart that provides a quick reference guide for people wondering about the requirements mandated by each state

As you can see, motorcycle insurance can be far more complicated than many people initially believe.  Hopefully this page has helped you better prepare for obtaining a policy that will protect you and your family from harm.


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