Motorcycle Insurance Coverages

Written by Cybele Phillips
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Motorcycle riders and enthusiasts are a diverse bunch. For this reason, there are many different types of motorcycle insurance coverages available to meet their many different needs. If you are in the market for motorcycle insurance, take your time and do a little research before making your decision. This will ensure that you get insurance that fits your needs and lifestyle at the most reasonable price.

Different Options in Motorcycle Insurance Coverages

Most states do not require motorcyclists to carry insurance, and those that do require only liability insurance. In the event of an accident where you are at fault, liability insurance will cover the costs (up to the amount of coverage you have purchased) of harm caused to the other party's property or person. What liability coverage will not pay for, however, is the cost of your medical expenses or of repairs to your machine.

While liability coverage is adequate for many riders, others feel they want the increased protection offered by more comprehensive insurance policies. There are policies available that will cover the costs of both parties, regardless of fault, as well as those that guarantee coverage of medical bills up to the purchased amount. You can also find policies that will cover damage to expensive, one of a kind custom motorcycles, or that protect specifically against theft, vandalism, and other non-accident related damage.

It is important that your insurance coverage fits your needs and lifestyle, but it is also important that it be affordable. The best way to save money on your policy is to look around and compare prices and policies, as the same coverage can vary widely in price between different companies. In addition, some insurance agencies offer discounts for prior coverage, multi-cycle policies, alarm systems, anti-lock brakes, good credit, and completed motorcycle safety courses. If you are a member of a riders' club, such as Honda Riders of America, you might also want to check to see if your insurance agency offers club discounts.


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