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Things to Know When Shopping for Motorcycle Insurance Quotes

As a motorcycle owner, you need to choose the right insurance coverage for your bike. The insurance can cover medical bills, motorbike damage costs, protect it from theft, and cover you if you are found liable for damage.   New York State requires a minimum liability coverage limit. There are many other optional motorcycle coverages that you can add to safeguard your bike against road mishaps and weather disasters. We are always happy to explain your options so that you can choose the coverage that best suits your budget and needs.

Types of motorcycle coverages

Third-party liability coverage

Liability covers bodily injuries and property damaged to the third party involved in an accident. This type of insurance covers losses incurred by a  third-party caused by your motorbike if you are found liable.

Collision coverage

This insurance can cover damage to your motorcycle in case you are involved in an accident. When you get into an accident, your insurance company will pay for damages less your deductible on either an Actual Cash Value, Stated Value, or Agreed Value basis depending on your policy.

Comprehensive coverage

This protection can cover other damages apart from collisions such as theft, fire or burglary. Just like collision insurance, the insurance company will pay for damages minus deductible on a Stated Value, Agreed Value, or Actual Cash Value basis depending on the terms of the policy. Be aware that comprehensive and collision coverage will only cover manufacturer’s parts on your bike. If you add extra accessories in your motorcycle, you must advise your agent and purchase extra accessories coverage.

Why do you need insurance for your bike?

The law requires you to insure your motorbike so that in the event of an injury to a third party your coverage will pay for damages, protecting you from a lawsuit. Due to heavy traffic on our roads  and circumstances beyond your control accidents happen every day. Even if the resulting damages appear small the resulting expenses can be shockingly high. Medical costs can rise from an accident which you may not have planned for. With motorcycle insurance, you can make a claim and your insurance company may cover your expenses resulting from the accident. Motorbike insurance can help reduce financial burdens.

Questions you should ask your insurance provider

If you have any insurance questions, you should talk to your agent. Ask them about their liability protection, and the different types of insurance packages and coverages they offer. Let them help you to come up with an excellent  package that will ensure you are covered on the road. Also, inquire if they have a 24-hour customer and claims reporting service that you can contact if you are involved in an accident. Ask them if they offer multi-policy discounts if you couple your bike insurance with other policies.

How to make claims

Before you make an insurance claim, you need first to understand what your motorcycle policy covers. When you are involved in an accident call your insurance provider as soon as possible.

Ways to save on motorcycle insurance

Make sure you get the right insurance package for your bike. If your mileage is minimal notify your insurer, and they may be able to reduce your premiums. If you use your motorbike for business, let your insurer know ahead of time. Many Independent Agents will partner with multiple insurance carriers so they can provide you with rates from different companies saving you time as you can receive multiple quotes from one agent. His will save you time in finding the best rate. If you own a car, RV, boat, or snowmobile, insuring them all with one insurance company can also help you lower your annual premiums.

Understand before signing

Before signing for any type of insurance policy, make sure that you thoroughly understand the coverages you are purchasing. The contract will list what the company covers and what it doesn’t. Feel free to ask for an explanation from your agent. Insurance can be confusing. If the answer isn’t readily available your agent should be able to obtain an explanation for you within a reasonable amount of time.

How to get motorcycle insurance?

You can buy motorcycle policy in person, over the phone, or through email. Your agent will accommodate your needs so that purchasing coverage is as quick and convenient as possible.

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