Motorcycle Insurance
For worry-free riding
Motorcycle Insurance
In order to choose the right insurance option for you and your lifestyle, it’s important to understand all your options. Most states require that motorcyclists carry a minimum of liability coverage, but other coverages are optional and often recommended. The professionals at The Resource Center will help you determine which insurance plan is right for you.
Determine which level of coverage is right for you
Motorcycle Coverage
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Liability Coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Some policies provide Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle.
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Collision Coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
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Comprehensive Coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
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Cost-Saving Tips
- Take a driver training course, such as the Motorcycle Safety Foundation (MSF) rider course. Many companies offer discounts on motorcycle insurance for graduates of training courses.
- Take the motorcycle drivers test with the Department of Motor Vehicles to have your license endorsed as Motorcycle Qualified.
- Maintain a good driving record with no violations.
- Buy a “lay-up” policy, all coverage except comprehensive is suspended during winter months.
- Find out what other discounts your insurance representative offers.
Find the best motorcycle insurance for you
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