Get the Best Motorcycle Insurance Quote Online
You may qualify for significant discounts if you have more than one bike or you already have a policy with an insurance company

You’re required to get insurance coverage as soon as you get the bike of your dreams. So you search: insurance – Motorcycle. Tons of listings come up. So now what do you do?
 
Here’s a few helpful tips on getting the best coverage for that shiny new ride of yours.


You can get the best insurance coverage for you and your bike while at the same time saving money if you educate yourself on how the insurance company will view you.
 
You must understand how the insurance company will rate you:
  1. Your motorbike – insuring an older, basic or stripped down bike will cost less than covering a new, showy, honkin’ motorcycle.
  2. Your age – the older you are, the cheaper your rates will be, just as with auto insurance.
  3. Where you live – your rates will likely be higher if you live and/or drive in a high crime or high accident area than someone in a zip code with less crime and accidents.
  4. Your driving record – the accidents you had in your car will count against you, even if you are new to motorcycles.
  5. Your work – where you are driving to and parking will affect your rate.


Riding a motorcycle can be fun and exciting, but it has risks. Before you ride, know the law: check out your area Department of Motor Vehicles to find out what the regulations are concerning the operation of motorcycles and the use of safety gear, such as helmets. Make sure you and your bike are properly licensed before you hit the road. Also, always check to make sure your bike is running properly before you ride.
 
There are some minor differences between motorcycle and automobile coverage, but the two types of insurance are almost the same. There are ways to keep your costs down so you won’t have to pay ridiculous rates, unless you’re high risk. For example, you can check into a “lay up” policy, which suspends all coverage during those cold winter months if you live in northern climes.


Selecting the right insurance policy is much like choosing the right bike. The key to finding which coverage is best for you involves learning about all the options available:
  1. Liability insurance – covers physical injury and property damage that you may cause to other people involved in an accident.
  2. Collision coverage – covers damage to your bike.
  3. Comprehensive coverage – pays for damage caused by an occurrence other than a collision, such as fire, theft or vandalism.
  4. Uninsured/underinsured motorist coverage – pays for medical treatment, lost wages or other damages if a driver with no insurance or too little insurance hits you.
The minimum requirement in many states is basic liability insurance. It is a legal requirement that you have liability insurance. Perhaps of more value to you as a bike rider is medical coverage. Some healthcare plans can potentially refuse coverage for injuries sustained while riding your bike, until a loophole is fixed in the current health insurance legislation. In addition to this every motorcycle owner should consider having comprehensive/collision coverage – unless your bike is a junker.
 
Discounts
You may qualify for significant discounts if you have more than one bike or you already have a policy with an insurance company. Safe riders could receive lower rates – when insurance companies establish rates, they consider driving record, age, marital status, bike type, and claim history. Other discounts include:
  1. Membership in riding clubs
  2. Homeowner discount
  3. Multiple vehicles on one policy
  4. Anti-theft appliances