Buying a new motorcycle is certainly exciting. In many instances, the prospect of enjoying adventures out on the open road will trump any concerns and questions the person has about buying motorcycle insurance. To receive the coverage that you seek, you must first ask the proper questions. Let's take a closer look at what you need to be asking before purchasing a motorcycle insurance policy.
What Are My State Requirements?
Motorcycle insurance is much like auto insurance, in that most states will require you to carry a predetermined minimum of liability coverage. While there is certainly nothing wrong with wanting a motorcycle liability coverage policy that not only meets the minimum requirements, but also exceeds them, knowing the state's legal requirements helps you to make a much more informed decision.
Will My Liability Package Also Cover Guest Passengers?
When it comes to motorcycles, accidents can happen and they will happen. If you are found to be the cause of an accident, then you are covered for your expenses that are related to bodily injury, including your medical care and hospital bills. Property damage costs are also covered. A separate policy must be purchased, so that any passengers who choose to ride with you on your motorcycle are also covered in case of an accident.
Do I Need Any Additional Policies?
Depending on your specific needs, you may require additional motorcycle insurance policies. Comprehensive coverage and collision coverage should be purchased, as this coverage keeps a motorcyclist protected in case of accidents, fires, vandalism and theft. Uninsured/underinsured policies are also recommended to those who seek protection from damages caused by drivers who are either without a current insurance policy or one that is inadequate.
Are Discounts Available?
Start your search for motorcycle insurance discounts by speaking with the agencies who have provided your home and auto insurance policies. There are a variety of carriers who are more than willing to provide motorcyclists with benefits for bundling various policies across different platforms. The completion of a motorcycle safety course also typically leads to a break in pricing. Great driving records and safe motorcycle storage are also heavily considered by motorcycle insurance agencies.
What About My Custom Parts and Safety Apparel?
Motorcyclists typically enjoy personalizing their vehicles and making them stand apart from the crowd. However, many standard motorcycle insurance policies do not provide coverage for custom parts or safety apparel. Fortunately, there are a variety of optional insurance policies to choose from. Or you could decide to choose a policy that provides you with extra coverage, so that you are reimbursed for the loss of any custom parts and safety apparel (such as jackets, boots or gloves) at zero extra cost to you.