Common Motorcycle Insurance Rates

Motorcycle polices are specifically designed for bikers’ in mind.  Their coverage needs vary somewhat from a traditional auto policy.  Most companies that offer auto insurance also offer motorcycle insurance.

Of course motorcycle policies are also designed to protect your bike.  Insurers will offer collision coverage which will pay to repair or replace your insured bike if it is involved in an accident covered by the policy. 

A special note here – most motorcycle insurance policies do not cover you or your bike if you are off road and not on a designated road.

Comprehensive coverage is more important than ever with a motorcycle.  Comprehensive covers perils such as flood, wind, theft, and vandalism.  A bike can be much more susceptible to theft or mother natures acts.    Click Here to Save Money on Auto Insurance.

However that said, comprehensive insurance for a motorcycle can be very expensive so you will need to decide yourself.

You can tailor your policy to meet your personal needs.  There are many optional coverages you can add to your basic coverage.  If you purchased comprehensive insurance than it would be a good idea to add additional coverage for items not covered by the basic comprehensive policy.

You can get coverage for your stereo, or perhaps you’ve spent a great deal of money on custom mags or tinted glass.  Most insurance companies can provide you with a rider to cover additional equipment not covered by the basic policy.

You can also buy coverage for towing and related labor costs.  This coverage will reimburse you, up to the maximum stated, to have your motorcycle towed to a garage. 

If you have a good driving record you should qualify for a discount.  If you insure more than one motorcycle on the same policy you could be entitle to a discount.  If you can provide proof that you voluntarily attended and passed a Motorcycle Safety Foundation Rider Course within the past 36 months you may qualify for another discount.

Here is a few other discounts that you may qualify for.  If you had prior motorcycle insurance with no claims you could get a discount.  If you are a member of a motorcycle association such as the Gold Wing Road Riders or the Harley Owners Group you could qualify for an additional discount. 

If you currently have an auto plan active with the insurer and you add your motorcycle to that policy you should receive a discount.

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