Enter your ZIP code:

Your Options in Motorcycle Insurance

by Jeb Foster 

 

Picture this: An open road. A desolate landscape stretching out in front of you. (Let's say somewhere in Monument Valley, Utah.) The wind is at your back. The tanks is full.

Then this thought spoils the moment: Do I have (enough) insurance?

To prevent a moment-spoiling tragedy, make sure you've got the insurance part figured out before you gas up the hog and hit the road.

The first thing to do is check the laws in your state. While most require a minimum amount of liability coverage, there is quite a bit of state-by-state variation when it comes to motorcylces. Contact your state department of insurance (find yours here) and ask about motorcyle insurance.

Some insurers sell separate policies just for motorcycles, while others offer coverage as part of an endorsement on an existing auto policy. It's a good idea to check your options with your auto insurance provider first, because you may get a discount for bundling policies.

Motorcycle insurance coverages

Although you may already be familiar with the following terms, let's take a second to go over the various coverages:

 

Liability: Liability covers bodily injury and property damage that you cause to others. The Insurance Information Institute (III) recommends checking to make sure your prospective policy includes Guest Passenger Liability.

 

Uninsured/underinsured motorist: If a driver without insurance or adequate coverage hits you, this coverage pays for medical treatment, lost wages and, usually but not always, property damage.

 

Collision: As the word suggests, collision coverage pays for damage to your ride if you're in an accident. Most insurers will cover the actual cash value (or "book value") of your motorcycle. You can choose the deductible you want--the amount you pay before your insurers starts paying, that is.

Most riders wear helmets: According to the U.S. Department of Transportation, 63 percent of motorcyclists wore helmets in 2008, an increase from the previous year.

Comprehensive: This coverage pays for motorcycle loss or damage that's not the result of an accident-theft, fire, vandalism, etc. Like collision coverage, comprehensive covers the book value of your bike (not the original retail price), minus your deductible.

Factors that will affect your premium

Type of bike: A high-performance sport bike may cost you more than a mellow touring cruiser. Why? Because the former is more dangerous and is historically more attractive to people who like to take risks. Many insurers will simply look at the size of engine in deciding how much to charge.

 

Intended use: If you live in Minnesota and plan to commute year-round to work on your Harley, brace yourself for a steeper premium. Some insurers may actually give you a break if you buy a "lay-up policy" wherein, in exchange for a lower premium, you opt not to drive during the winter months.

 

Storage: This may sound like a no-brainer, but if you plan on throwing a blue tarp over your bike and storing it in the driveway where the world can see it, you're likely going to have to pay more for insurance than if you plan on tucking it away in a secure garage.

 

Driving record: Again, this is pretty straightforward. If you have a clean driving record, you will probably be rewarded with a lower premium. There are often also discounts available for graduates of safe-driving courses and members of motorcycle associations

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17653
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17981
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16928
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17419
81 How to Get Discount Auto Insurance youcomparequotes 17733
80 Insurance for Van Lovers youcomparequotes 17448
79 Car Insurance That Fits Your Needs youcomparequotes 17131
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17317
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18337
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17134
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19374
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17718
73 Auto Insurance from InsureMe youcomparequotes 17635
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17996
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18387
70 Buying and Insuring a New Car youcomparequotes 16759
69 Compare Auto Insurance Rates youcomparequotes 17090
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16595
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16692
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17165
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17278
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16616
63 How to Reduce Car Insurance Prices youcomparequotes 17154
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17349
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16664
60 Auto Insurance Cost & Your Ride youcomparequotes 17159
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16935
58 How to Get the Cheapest Car Insurance youcomparequotes 16843
57 Selecting a Car Insurance Company youcomparequotes 17545
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17152
55 Get the Best Car Insurance Rates Around youcomparequotes 17393
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16431
53 Child Safety Belts Keep Kids Safe youcomparequotes 17095
52 Speeding and Car Insurance Rates youcomparequotes 16797
51 Not At Fault Car Insurance & Accidents youcomparequotes 16935
50 State Auto Insurance Becoming Available youcomparequotes 17257
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17671
48 Car Insurance & Roommates or Family Members youcomparequotes 17249
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16945
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16849
45 SUVs: Minor Collision, Major Damage youcomparequotes 17402
44 Severe Weather Driving Tips youcomparequotes 17177
43 Avoiding Aggressive Drivers youcomparequotes 18036
42 Safety Tips & Car Insurance for Teens youcomparequotes 17095
41 Insurance for Cars: It's Your Choice youcomparequotes 17053
40 Car Insurance Quotes Save You Money youcomparequotes 17114
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17980
38 Safety Features Save Lives & Money youcomparequotes 16873
37 Curbing Auto Insurance Prices youcomparequotes 16413
36 Teen Auto Insurance youcomparequotes 16697
35 Car Insurance: Your Questions Answered youcomparequotes 16748
34 How to Buy Car Insurance youcomparequotes 17382
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16660
32 Truck Insurance for Your Pride & Joy youcomparequotes 16454
31 How Insuring a Used Car Can Save You Money youcomparequotes 17322
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17211
29 Credit Scores & Car Insurance youcomparequotes 17824
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16319
27 Reducing SUV Insurance Rates youcomparequotes 16836
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17353
25 How to File an Auto Insurance Claim youcomparequotes 16989
24 Avoiding Deer Collisions While Driving youcomparequotes 17459
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16809
22 Auto Insurance Basics That Save youcomparequotes 17216
21 It's Official - Men Are Terrible Drivers youcomparequotes 18709
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17467
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16992
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17252
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17022
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17376
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16865
» Your Options in Motorcycle Insurance youcomparequotes 16840
13 The Advantages of RV Insurance youcomparequotes 17215
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34716
11 Insuring Your Teen Driver youcomparequotes 16973
10 The SR22 & Car Insurance youcomparequotes 16469
9 Auto Insurance & Generic Parts youcomparequotes 17178
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18306
7 Drowsy Drivers, Wake Up! youcomparequotes 16477
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17842
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17281
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21366
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16782
2 Auto Insurance Quotes youcomparequotes 17242
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17463
XE Login