Motorcycle Insurance Policy
Learn More about Biker Insurance Quotes, Coverages and Rates
Before you buy motorcycle insurance, find out what's covered by the insurance policy. Learn more about coverages and discounts offered by motorcycle insurance companies.
Buying a motorcycle insurance policy can help protect a bike and its accessories in case of a covered loss. Before getting motorcycle insurance quotes, it’s important to compare coverages and costs. Motorcycle insurance rates and coverages vary widely by insurance company, agent and broker.
Learn More about Motorcycle Insurance Coverages before Getting a Quote
- Motorcycle insurance quotes include coverage for motorcycles, four-wheelers, dirt bikes, scooters and more. Rates are specific to the body type of the motorcycle and to the driving history of the motorcycle owner.
- A liability-only insurance policy is also available to buy from certain motorcycle insurance companies, agents or brokers. The rates for this type of policy will save you money on motorcycle insurance, but it's just bare-bones coverage.
- A Liability/Comprehensive/Collision policy provides bikers with full-scale motorcycle insurance coverage. It's the best policy available to protect a motorcycle and its owner.
- Replacement cost insurance coverage pays the cost to replace a motorcycle. This coverage has to be requested, and doesn’t come with a motorcycle insurance quote. It can be added to the motorcycle insurance policy for increased protection.
- Motorcycle insurance policy claims often pay out more for accessories than for the bike itself. Before getting a motorcycle insurance quote, consider increasing the amount of accessories coverage that comes with the policy to make sure it’s enough to cover your gear.
- Safety apparel and helmet coverage should be included in the motorcycle insurance quote.
- Towing and emergency road service and trip interruption motorcycle insurance coverage pay for problems that happen on the road. Check with the motorcycle insurance company or agent for more information about these coverages.
Compare Motorcycle Insurance Quotes to Learn More about Available Policy Discounts
- The mature driver discount provides a discount to older, experienced riders; availability varies by motorcycle insurance company.
- Motorcycle insurance policy discounts for completing a motorcycle safety course are available from most agents and brokers.
- Claim-free discounts reduce motorcycle insurance coverage costs.
- A steady renewal history on an old motorcycle insurance policy is available from most agents and brokers.
- The multi-biker insurance discount for insuring two or more motorcycles on the same insurance policy is available from most insurance company quotes.
Understand Availability and Requirements before Getting Motorcycle Insurance Rates
- 48 states require buy motorcycle insurance. The exceptions are Florida and Washington.
- Check with a specialty motorcycle insurance company before getting rates to see what coverages and discounts are offered.
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Talk back with a writer: tell Lisa Nichols about your experiences buying motorcycle insurance.
The copyright of the article Motorcycle Insurance Policy in Automotive Insurance is owned by Lisa Nichols . Permission to republish Motorcycle Insurance Policy must be granted by the author in writing.
