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Motorcycle Insurance is Different

 

Most states require insurance for any vehicle driven on its streets. Motorcycles are a popular means of transportation for many drivers, whether for pleasure or mileage-saving benefits. Motorcycle insurance follows the same principles of automobile insurance, but there are a few things motorcyclists should be aware of that make it worth considering an insurer that specializes in motorcycles.

Risk
Insurance is always based on risk, and motorcycles are riskier than cars for several reasons. Because of their size and maneuverability, motorcycles can be difficult for car drivers to see. With only two wheels, motorcycles are more susceptible to weather risks, like ice and rain. Lastly, motorcycle drivers are more likely to be seriously injured because they do not have the body of a vehicle to protect them from accident damage.  This risk potential can add up to high rates, especially for a new motorcyclist or one with a less-than-perfect driving record.

Lay-Up Period
Wearing a helmet and following road safety rules can keep you safe and improve your driving record, but it won't usually have an impact on your premiums. One major difference between motorcycle and auto insurance is lay-up periods. Because motorcycles are more likely to be driving in warm seasons, some insurers offer suspended coverage during winter months when another vehicle is driven. Keep in mind that there is no coverage during this period and the bike should not be ridden.

Coverage
Like auto insurance, motorcycle insurance is generally based on the stock model of the vehicle. Motorcycle owners are more likely than auto owners to add custom parts to their bikes, and these additions should be listed on the policy to ensure comprehensive and collision coverage. Also insure that your liability and medical coverages are adequate should you plan to ride with a passenger.

 

 

 

 

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