Low Cost Motorcycle Insurance
Motorcycle Insurance to fit your budget and needs
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What type of motorcycle insurance coverage do I need?
Warmer weather beacons you to revel in the open road — which also means plenty of ways to run into trouble. Not to fear! Outfitting your policy with the right coverages will help you stay protected no matter what arises. Liability insurance Liability includes bodily injury and property damage protection and is almost always required. If you ever cause an accident with your motorcycle, liability coverage helps protect you from having to pay others' injury or repair bills. When deciding how much liability insurance to get, a good rule of thumb is to get as much protection as you can comfortably afford. Comprehensive and collision coverage While liability is all about covering the other driver's expenses after an accident, collision coverage helps repair your bike if you cause an accident. Collision also helps cover the cost of riding apparel and helmets damaged in a covered incident. Comprehensive coverage, on the other hand, kicks in after a non-collision incident such as a stolen motorcycle or that dead tree limb crashing down on your ride. Comprehensive can help pay the damage or even replace your motorcycle altogether. But that’s just the beginning. Be sure to ask our insurance professionals to explain all of the following coverages so you may make an educated decision:
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Rev up your engine and get ready to hit the open road, because we've got the perfect insurance coverage for your motorcycle and your adventurous spirit. Whether you're chasing sunsets or embarking on epic journeys, we've got you covered with smart and customized policies that will give you peace of mind throughout your travels.
Just like with auto insurance, motorcycle insurance is made up of various components, some of which are legally required and others that are optional but highly recommended. Let's start with the basics – liability insurance. This coverage is the absolute minimum you need, as it protects you financially in case of an accident that's deemed your fault. Medical bills, vehicle repairs, and replacements for the other party involved are all covered under liability insurance. While your state sets a minimum amount of coverage, we suggest considering higher limits for added peace of mind. Now, let's talk about collision and comprehensive coverage. Motorcycle collision coverage ensures that even if you're at fault in an accident, we'll pay to repair or replace your beloved bike. No need to worry about the cost – we've got you covered. And if your bike is stolen, vandalized, or damaged by fire, our comprehensive coverage has your back. But wait, there's more! We offer optional extras specifically designed to protect your ride. Have you added custom parts like a GPS or trailers to your bike? We have coverage for those too. Don't let anything ruin your ride. We also offer coverage for collisions with uninsured drivers or riders, ensuring that you won't be left empty-handed if you're involved in such an unfortunate event. And let's not forget about roadside assistance – we'll be there for you in case of a mechanical breakdown or a pesky flat tire, getting you back on the road in no time. We understand that motorcycle insurance can be complex, but don't worry – we're here to guide you every step of the way. Get in touch with us today, and let us lead you to the perfect coverage for your adventurous lifestyle. |