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So you've got the leather jacket and a helmet, but is that enough protection?
There’s nothing quite like owning a motorcycle. The freedom of hitting the open road and feeling the wind on your face can't be described with words — and nor should it. While insurance for your motorcycle is probably the least exciting aspect of it, it is still important to ensure your ride is protected. But good news: motorcycle insurance is pretty similar to auto insurance—it includes liability as well as comprehensive and collision insurance for you, your passengers, and your bike. Let’s get into the basics of motorcycle insurance, starting with the different types of coverage.
Most major insurance providers offer multiple lines of insurance — including motorcycle. Here at The Zebra, we work with Liberty Mutual, Foremost, and Dairyland to offer you competitive quotes for motorcycle insurance. Below are the coverage specific options for each company.
Liberty Mutual provides all the basic coverage options you can think of: collision, comprehensive, liability, etc. If you desire, you can add some optional coverage features Liberty Mutual offers:
Foremost is one of the biggest motorcycle providers in the US. They have a three-tiered insurance program which we have broken down below.
Dairyland advertises low rates and offers a wide range of coverage to protect you and your bicycle. Below are some standard and non-standard options:
If you're in the market for cheap motorcycle insurance, your best bet is to shop around with as many companies as possible. Only by comparing quotes can you find the best rate for your needs. If you're interested in quotes from Liberty Mutual, Dairyland, or Foremost, call us at 888-444-2833 or click below.
Most insurance policies include liability, collision, and comprehensive coverage. Let’s break that down further.
Liability insurance, coverage for damage you cause to other property or individuals, is required in 46 states with the exception of Michigan, Montana, New Hampshire, and Washington. The lowest amount of coverage you’re required to have is the same as the requirement for auto insurance. Check out the table below for more details on the required amounts of coverage by state.
Collision and comprehensive covers physical damage to your motorcycle. Collision refers to when you collide with another vehicle or your vehicle is otherwise damaged in a typical car accident. Comprehensive, or sometimes called “other than collision", would cover your motorcycle if it was stolen or damaged by an animal in the road. As with car insurance, collision and comprehensive utilizes deductibles that are deducted from a claims payout. Deductibles vary per your choice as well as your insurance company but typically range from $250 to $1,000.
Sometimes called "med pay" for short, medical payments refer to the payments of medical costs for you and your passengers that are injured in the event of an accident. While riding a motorcycle presents an array of benefits, it can still be dangerous regardless of your level of skill or care. Consider if additional medical payments are right for you (note: it is not available in every state).
Your comprehensive and collision insurance typically covers damages to custom parts and accessories, but there are limits. While it varies, insurance companies cover up to $3,000 for your personalizations. So, let’s say you have a completely customized Harley Davidson motorcycle that cost you a pretty penny. You may want to consider increasing your insurance limits if your add-ons are worth more than what your insurance company will cover.
In the event of a breakdown, roadside assistance would help cover on-site towing and labor.
Hitting the open road is less desirable when it’s below freezing outside and insurance companies understand this. So, they offer what they call a lay-up period. During times of less-than-favorable riding conditions, you can place your motorcycle in storage and reduce your coverage—thereby reducing your premium as well. While in this period, you will usually still maintain comprehensive insurance if your vehicle is vandalized or stolen—but you won’t have any type of liability insurance.
|State||Motorcycle Insurance Limits||Required by State|
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