Is A License Required To Get Motorcycle Insurance?

​A motorcycle license is a must and getting it before anything else is a standard practice. However, if you got your motorcycle before having a license and want it covered immediately, you can have insurance even without a license. 

Insurance can shield your motorcycle against environmental harm, robbery, and vandalism even though you do not even ride it or do not intend to. Fortunately, there are approaches to getting motorcycle insurance without a license.

How Do You Get Motorcycle Insurance Without a License?
Without a license, buying insurance becomes much more challenging compared to having one. You must get in touch with an insurance company with unlicensed clients coverage. Most insurance companies will require a state-issued form of identification and link your insurance to a person with a valid license.

Some insurance companies will only permit you to buy coverage without a license due to specific circumstances. When you already have insurance through a firm, your chances of getting coverage without a license increase if you have a great record and credit rating. Finding coverage will be challenging for drivers with credit issues or a bad driving record.

How Much Does Unlicensed Motorcycle Insurance Cost?
Several different things impact the cost of motorcycle insurance. It comprises:

• Geography, gender, and age
• Driving history 
• Credit rating
• History of claims
• The motorcycle's value

By using safe driving techniques, raising your credit score, and minimizing the frequency of claims you file, you may be able to cut your motorcycle insurance costs. 

What Motorcycle Coverage Is Needed Without a License?
The intended use of the motorcycle will decide the type of coverage you need. You may decide on minimum liability coverage if your license is revoked, but you must still adhere to state regulations. However, you should consider getting supplemental protection if you need motorcycle insurance for a different driver.

Liability for Physical Injury
Liability for physical injury covers the medical costs of the opposing driver and their passengers if you’re at fault for the accident.

Liability for Property Damage
Liability for property damage covers the expenses for any damage to the opposing driver and their passengers' property.

Collision
The policy can cover your motorcycle’s maintenance if you ever get into an accident. 

Comprehensive
The comprehensive coverage covers non-collision incidents like theft and vandalism.

Double Your Protection
Remember that even though your motorcycle is insured, you cannot lawfully drive without a license. Your premium costs could significantly increase depending on your justification for not having a license. Additionally, your rates might increase by as much as 80 percent if you have your license revoked or restricted due to a traffic infraction or other irresponsible driving.

At AllRisk Auto Insurance, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!