A Must For Bikers: Motorcycle Insurance

​Riding a motorcycle is a thrill on the open road. As a motorcyclist, you have to consider things before getting on your bike. The basics are helmet, jacket, boots, gas, and tires. Insurance may not be among the things you think of. Several risks involved in riding motorcycles and accidents can be very serious. And that is why it is important to have insurance.

What is Motorcycle Insurance?
Like car insurance, motorcycle insurance secures you from financial liability. That's when an accident occurs. But, some key differences can affect insurance. And they are:

Cars have more passengers. 
You are more likely to suffer an injury on a motorcycle. 
Add-ons on the motorcycle like helmets or a backrest give extra coverage.

Coverage Options
Bikers need to understand what coverage they can buy. The different coverage options are:

1. Collision- pays the damages to your motorcycle.
2. Comprehensive- it pays out the stolen or damaged (other than collision) motorcycle. 
3. Body injury liability coverage protects you financially if you injure another person. 
4. Coverage for add-ons- it takes into account sidecars, chrome parts, and other items. 
5. Uninsured/Underinsured motorist coverage-the standard coverage. Motorcycle medical payments coverage pays for you and your passenger's medical bills. 
6. Roadside assistance covers you if your motorcycle breaks down.

Factors that Influences the Cost
The cost of motorcycle insurance depends on individual factors. It includes your age, address, and driving record. Expensive bikes are also much more expensive to insure. Your coverage rate is more likely to be lower if you buy a bike built for durability over horsepower. Another factor is the amount of coverage you need. The more protection you buy, the more you'll pay.

Motorcycle insurance on mopeds and scooters
These vehicles are lightweight. They usually run at a slower speed, so you may be able to purchase less coverage. It still depends on the size of the engine. Yet, some insurance companies offer different insurance products. They give particular coverage for scooters and other off-road vehicles like ATVs.

Conclusion
Bikers need to get the right insurance policy. It should fit your needs, lifestyle, and budget. Take steps to get the necessary coverage. You can avoid tragic consequences related to motorcycle accidents.

At AllRisk Auto Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (360) 693-4044. You can also request a free quote by CLICKING HERE.