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Learn About Motorcycle Insurance

No matter what type of information you need to know about motorcycle insurance―including types of coverages, state requirements, where to get quotes, how to find the best rates, how to take advantage of discounts, and how to cancel a policy―you can find it here.

About Motorcycle Insurance 



No matter what type of information you need to know about motorcycle insurance―including types of coverages, state requirements, where to get quotes, how to find the best rates, how to take advantage of discounts, and how to cancel a policy―you can find it here.



All presented in an unbiased, educational, easy-to-read manner that allows you to quickly locate―and grasp―the answers you're seeking.



And, we cover other types of motorbike insurance, too, such as moped, scooter, and dirt bike.



So, before you ride off into the sunset, be sure you're well-versed in the motorcycle insurance matters that impact you.



Everyone out on the road should be protected by insurance, and that's especially true for motorcyclists. After all, you're more exposed to personal injury and property damage than those who travel in the relative safety of vehicles weighing two or more tons.

So, you'd better be covered by motorcycle insurance―and have the right types and amounts of protection. You need enough coverage to not only comply with your state laws, but also to avoid a financial mess following a motorcycle accident.

Let our articles guide you through the often mystifying world of motorcycle coverage. Learn about basic coverages, such bodily injury liability, property damage liability, comprehensive, collision, medical payments, personal injury protection (PIP), and uninsured/underinsured. Also find out about secondary, but useful, coverage like motorcycle roadside assistance or accessory coverage.



And, if you prefer a scooter, moped, a dirt bike for motorcross or similar type of vehicle, we've got the motorbike insurance info you need, too.



We all want to save money where we can. Fortunately, purchasing auto insurance doesn’t have to mess up that goal―especially when you have a guide to help you shop for quotes, determine how much coverage to purchase, and being aware of possible discounts.



Shopping for Motorcycle Insurance Quotes
Shopping for motorbike insurance quotes is much like shopping for regular passenger car insurance. You can compare quotes online, talk with people you know about the insurance companies they use, or visit or call a few local agents in your area.

It’s up to you. Any of those methods could help you get the most competitive insurance rate for motorcycles.



However, there are two factors you must keep in mind:

Whether your current insurance company provides motorcycle coverage. Not all providers do, which means you’ll have to search for a company that either specializes in or also offers motorcycle insurance.
Whether shopping with another company―regardless of whether your current company provides motorbike coverage―would help you save money.


The best way to weigh these factors is to ask your current company if it offers motorcycle coverage and talk with other companies about their motorcycle insurance rates.



Buying the Right Amount of Motorcycle Coverage
Naturally, you at least have to purchase the amount of coverage that meets whatever minimum motorcycle insurance requirements your state mandates.



However, once you have that covered, ask your agent how much you quotes would vary if you added more―say, accessories coverage, comprehensive and collision, uninsured and underinsured, or even motorcycle roadside assistance.

You might find that your bike calls for some of these additional coverages; however, you might find that adding them―when you don’t really need them―could significantly increase your quotes.



Be sure to talk with your agent about the requirements you must meet and the coverage types you might or might not need.



Motorcycle Insurance Discounts
Aside from comparison shopping, you can save money on motorcycle insurance by looking into motorcycle insurance discounts.

Many providers offer discounts for:



Bundling your coverage. For example, purchasing your motorcycle coverage from the same company that provides your regular car insurance.


Completing a motorcycle safety course, or being a motorcycle safety course instructor.
Insuring more than one bike.


Being a mature rider. (The company will give you details about its definition of a mature rider.)


Renewing your policy with the company.


Remember to ask the company or your agent about each of these possible discounts, as well as about any other discounts for which you might be eligible.

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