Motorcycle Insurance is Necessary

There are no two ways about it, if you’re riding a motorcycle without insurance you are just dumb. Most motorcycle riders carry insurance, but there are a few that don’t. They might think that it isn’t necessary, it’s too costly, or they might think they don’t need it because they won’t get into an accident. There are too many excuses to name. If you’re one of those motorcycle owners making these excuses to yourself, please read on.

Why is it so important to have good motorcycle insurance?

There’s a big difference between motorcycle insurance and car insurance. For one thing, it’s possible to insure just your motorcycle and not yourself as a driver. It’s not a smart thing to do, but it is possible. You can also cover your motorcycle, whoever is riding it, and anyone that might be riding on the back. You should definitely cover bodily injury and damage to property. If you are ever involved in an accident and cause damage or injury, the cost can be very high. You’ll need motorcycle insurance to pay for those expenses. Otherwise you’ll be sued and owe a lot of money for a long time.

If you’re planning to buy a motorcycle, or if you already have one, you need to buy motorcycle insurance. Although this probably rates somewhere just above getting a root canal on your list of fun things to do, it is necessary, and it’s not that hard. It’s actually very simple to find a good company that insures motorcycles. If you already have car insurance, check out their rates. Most will give you discount if you buy motorcycle insurance with their company too. Don’t stop there, though. It’s easy to get insurance quotes online. Do a complete motorcycle insurance comparison of at least 4 companies. You will get a lower premium and better coverage.

What kind of motorcycle insurance?

The type of policy will depend on:

– type of motorcycle
– your age
– value of the motorbike
– neighborhood
– driving record
– coverage amounts

There’s no limit on the amount of coverage you can get, but you should at least have the legal minimum requirements in your state. Your insurance company should know what that is. There are many options you can choose as far as amount and type of liability coverage, but it is still up to you what you decide to take for your own protection. You can also ask for additional services like roadside assistance, towing costs, and glass insurance. These can be very convenient, especially if you travel far from home or if your bike breaks down frequently, but it’s still not as important as the insurance.

Some insurance companies will give you a discount on your premium if you can take a motorcycle riding course with the Motorcycle Safety Foundation. The key messages of the Motorcycle Safety Foundation for bike owners are:

1. Get trained and licensed
2. Wear protective gear — all the gear, all the time
3. Ride unimpaired by alcohol or other drugs
4. Ride within your own skill limits
5. Be a lifelong learner by taking refresher rider courses

If you follow these ideas, you will have a better driving record, which will lead to lower premiums in the future. Plus, you’ll less likely to get into an accident and be injured.