Spring is here, which means motorcycle season has arrived. Whether you enjoy going on long road trips or simply just like taking your motorcycle for a ride around your town, it’s important you have the right insurance coverage in the event you have to file a claim.

What You Should Know About Your Insurance & How Your Rate Can Be Calculated

Where You Live Matters

If you can ride your motorcycle year round, there is a chance you may pay more than an individual who can only ride during warmer months. Why? With your shortened window for riding, individuals who have a “motorcycle season” lower their risk for an accident.

 Your Experience & Age Matter

This shouldn’t be too shocking to read. If you are an experienced motorcycle rider, you may have a lower rate vs. someone who just bought their first motorcycle. Your age factors in with your experience. Like car insurance, young drivers usually pay higher rates. However, if you are 50 years old and have no experience, you may pay more for insurance compared to a 30 year old who has 10 years of experience.

 Your Riding History Matters

Just like car insurance, your riding history matters. Accidents, claims and tickets all play a role in your motorcycle insurance rate.

 What Type of Bike You Own Matters

High performance bikes may be more to insure. If your bike has a big engine, that too can cost more to insure.

What Type of Motorcycle Insurance Coverage Should I Have?

 Talk to one of our licensed agents about this. We can explain all coverage options. Some of these coverages are mandatory, but others are optional.  Here are a few to consider below.

Comprehensive insurance – covers you in the event your bike is damaged due to vandalism, falling trees/debris, storms, hitting an animal, theft, windshield damage, etc.

Liability – this covers you if you are responsible for causing damage or injuring someone else.

Collision – covers your motorcycle if you collide with a vehicle or object regardless if you are at fault or not. 

Uninsured/underinsured motorist property damage – if your bike is damaged by someone who isn’t carrying insurance or is underinsured. This coverage provides coverage up to your policy limits. Bonus – it can cover your injuries too.

Have custom parts for your bike? Get it covered. Some carriers automatically include some coverage in a policy, but not all.  Talk to your agent about this.

How Can I Save Money On My Motorcycle Insurance Coverage?

• Establish good credit
• Bundle your insurance policy with other policies such as your car or home insurance
• If you’re a member of the Harley-Davidson Owners Group (applies in 42 states)
• Some insurance carriers give a discount for having a motorcycle endorsement
• Take a motorcycle safety course (this is great for all riders! Experienced or beginner)

Almost every state in the United States requires some form of motorcycle insurance. Contact our office for a motorcycle insurance quote! We will help you determine what coverage options fit your lifestyle the best.