Motorcycle insurance covers many types of bikes. If you are looking for a specific coverage like ATV, dirt bike, scooter, moped, or trike insurance, a motorcycle insurance policy is what you will need.
You are exposed to more risks when driving a motorcycle than driving a closed vehicle such as a car or van. You are likely to suffer from more injuries in the event of an accident because there isn't much to protect you except perhaps your safety helmet and some pads. The importance of motorcycle insurance cannot be disputed and that is why it makes sense to work with an experienced agent that understands the critical need of protecting you and your assets with affordable rates.
- Risk - We all know that riding a motorcycle carries different risks than driving a car. That means special coverage protections that reflect that risk - and rewards, in terms of discounts, for safety features and safe riding.
- Type of Vehicle - Riding a Harley isn't the same as riding a sportbike or ATV. Your insurance coverages reflect the safety features of your bike, its potential costs of repair in case of an accident or covered loss, and of course, the value of your investment - including what may be required by your bank or financing company.
- Leased or Financed Vehicles - If you're looking to insure a leased or financed motorcycle, you may be required to carry collision or comprehensive coverage. When you've paid off your bike, you can lower your motorcycle insurance premiums if you drop or reduce collision or comprehensive.