The Differences Between Standard And Comprehensive Motorcycle Insurance In Vancouver, WA

​If you own a motorcycle in Vancouver, WA, it's important to have the right insurance coverage to protect yourself and your bike. Two common types of motorcycle insurance coverage are standard and comprehensive. While both provide important protection, they differ in their coverage and cost. In this article, we'll explore the differences between standard and comprehensive motorcycle insurance.

What is Standard Motorcycle Insurance?
Standard motorcycle insurance is a basic insurance policy that provides coverage for damage to other people's property or injuries they may sustain in an accident you cause. Standard motorcycle insurance typically includes liability coverage, which covers the cost of property damage and bodily injury to others. In some cases, it may also include coverage for your own injuries and damage to your bike.

What is Comprehensive Motorcycle Insurance?
Comprehensive motorcycle insurance is a more extensive insurance policy that provides coverage for damage to your motorcycle that is not caused by a collision. This can include damage from theft, vandalism, fire, or natural disasters. Comprehensive coverage typically includes coverage for damage to your motorcycle, as well as any accessories or custom parts.

The Differences Between Standard and Comprehensive Motorcycle Insurance

• Coverage - Standard motorcycle insurance typically provides coverage for liability, while comprehensive motorcycle insurance provides coverage for non-collision damage, such as theft or vandalism.
  
  
• Cost - Comprehensive motorcycle insurance is typically more expensive than standard motorcycle insurance, as it provides more extensive coverage.
  
  
• Deductibles - Both standard and comprehensive motorcycle insurance policies may have deductibles, but the amount of the deductible may differ. Deductibles are the amount you pay out of pocket before your insurance coverage kicks in.
  
  
• Custom Parts Coverage - Comprehensive motorcycle insurance typically includes coverage for custom parts and accessories, while standard motorcycle insurance may not.
  ​
• Requirements - While liability insurance is typically required by law, comprehensive insurance is not required in Vancouver, WA. However, it can provide important protection for your motorcycle and should be considered if you own an expensive or custom motorcycle.

Which Should You Choose?
The choice between standard and comprehensive motorcycle insurance in Vancouver, WA depends on your needs and budget. If you have an older or less valuable motorcycle, standard motorcycle insurance may be sufficient. However, if you have an expensive or custom motorcycle, comprehensive motorcycle insurance may provide better protection. It's important to review your policy regularly and make adjustments as needed to ensure that you're getting the best coverage for your needs.

Final Thoughts
Standard and comprehensive motorcycle insurance policies differ in their coverage and cost. Standard motorcycle insurance provides coverage for liability, while comprehensive motorcycle insurance provides coverage for non-collision damage. While comprehensive insurance is typically more expensive, it can provide important protection for expensive or custom motorcycles. Be sure to review your policy regularly and make adjustments as needed to ensure that you're getting the best coverage for your needs.

​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. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​