One of the advantages of having your motorcycle insurance coverage through a reputable carrier is that you may save money by having more than one policy with that carrier. You may also be able to save money on your premiums if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. Your years of driving experience and age also plays a part in reducing the rate.
What you should know about motorcycle insurance
Your motorcycle insurance can include any or all of the options below.
- Custom Parts and Equipment – If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $20,000 in custom parts and equipment.
- Roadside Assistance – Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
- Liability Coverage – You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
- Medical Coverage – This coverage provides for certain necessary medical expenses for you and a family member that are the result of an accident.
- Uninsured/Underinsured Motorist Coverage – This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.