The old adage goes, “There are two types of motorcyclists – those who have had an accident, and those who will.” Motorcycle insurance from Ansay & Associates is the best way to protect you and your bike in the event of an accident, dust-up, or someone else’s careless mistake.
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Insurance for motorcycles can cover everything from a scooter to a trike and the hogs and crotch-rockets in between. Most states have legal requirements for motorcyclists to carry insurance, and auto insurance policies do not cover motorcycles without adding motorcycle insurance coverage. When shopping for the right coverage for your motorcycle, below are some factors that you should consider:
Every state has different requirements for motorcycle insurance coverage, being familiar with what type of coverage and how much coverage you need will help you start your search. Some coverages (Personal Injury) are not available in all states.
How often you ride and how far you travel can also play a role in finding motorcycle insurance quotes that meet your needs.
Things like comprehensive coverage and towing & labor coverage may look different depending on the type of bike you ride.
Although auto insurance does not cover your motorcycle, your auto driving record can affect motorcycle insurance cost.
These can act as good guideposts for figuring motorcycle insurance costs and best fits. Once you have a general idea of the coverage you will need, you can explore the different motorcycle insurance coverage options, most companies include the following:
If you are injured in a motorcycle accident, this coverage can help with medical expenses deemed reasonable and necessary.
This coverage provides payments for medical expenses and income loss if another motorist is hurt or killed because of an accident where you are at fault.
Accidents can cause serious property damage and this coverage helps pay when you are at fault.
Personal Injury protection (PIP) covers damages incurred to the insured in an accident, regardless of who is at fault. PIP typically covers medical and other associated costs for you as the rider and your passenger should injuries occur.
This coverage can help protect you from the cost of damage done to your bike, trike, or scooter as the result of an accident (with a car or any other object).
Although most states require drivers to be insured, not everyone complies. This coverage can help protect you in the event that you are in an accident that is not your fault and is with an uninsured driver or an underinsured driver and you are injured.
Not everything that can go wrong is the result of an accident, wear and tear can lead to mechanical failures and this coverage can protect you from being stranded in the middle of a ride-gone-wrong.
Ever had your bike get a door-ding, keyed, or accidentally scratched while it was parked? Comprehensive coverage makes sure you are taken care of. This coverage protects you from the cost of fixing dings, dents, and scratches caused by non-moving accidents.
Getting insurance for your motorcycle is a lot like getting coverage for your car. First, you’ll want to connect with a motorcycle insurance agent, like our team at Asnay & Associates. They will collect preliminary information and can start preparing motorcycle insurance quotes for you to compare. To make this process a little easier, you may want to have the following handy:
Although motorcycle insurance covers a variety of vehicles, each state varies on what qualifies under this type of coverage. To be considered eligible for motorcycle insurance quotes, you’ll need to confirm what your state allows, but most include the following:
From standard auto insurance to comprehensive coverage, the team of insurance advisors at Ansay & Associates are ready to help.
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Other InsuranceFrequently Asked Questions
The cost of motorcycle insurance varies significantly and can range from $25 - $200 per month depending on the state you live in, additional coverage options, and your insurability.
Yes. Even if your state does not require motorcycle insurance, the cost of not being insured and getting in a single accident can be a heavy toll.
The short answer is, yes. But this will require more paperwork and more hoops for you to jump through before you can get a motorcycle insurance quote.
If you have a comprehensive plan, theft is often covered. However, basic motorcycle insurance will not cover theft.
You can cancel your policy at any time. There are no special plans for part-time bikers, but this is something to take into account when selecting your plan.
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Before hitting the road on your next ride, contact Ansay & Associates for an accurate motorcycle insurance quote to make sure you and your bike have adequate protection.
Please note, your message does not bind, alter, or cancel coverages and is not effective until confirmed directly with a licensed agent.
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