It\u2019s time to ride! If you\u2019re a motorcyclist ready to hit the open road, you need to make sure that both yourself and your bike are fully protected with the right motorcycle insurance policy. Finding appropriate coverage can be an intimidating task that often leaves riders feeling uncertain of their options. There are many factors to consider, such as what kind of protection is necessary and how much it will cost. Don’t worry \u2014 we\u2019re here to explain all there is to know about motorcycle insurance<\/a> so you have everything needed for your own personalized plan! <\/p>\n\n\n
Before deciding on which policy you want, it\u2019s important to understand the different types of coverage available. Here is a quick breakdown of common motorcycle insurance coverage options: <\/p>\n\n\n
This insurance coverage pays for damages that you are legally responsible for in an accident<\/a>, such as property damage and bodily injury. It is the most common type of motorcycle insurance and a requirement in most states, so make sure your policy has enough to meet the minimum requirements. <\/p>\n\n\n
Not every incident involves another driver or a crash. Comprehensive coverage pays for damage to your motorcycle caused by something other than a collision<\/a>. This includes events such as theft, vandalism and weather-related accidents. So, if your motorcycle is stolen or a tree branch falls on it during a storm, you are covered and able to get money for damages or replacement. <\/p>\n\n\n
This coverage pays for damage to your motorcycle caused by a collision with another vehicle or object. This is needed if you want to be sure your motorcycle is fully covered in the event of an accident. Comprehensive and collision coverage are usually optional, but if you have a loan on the bike then it\u2019s typically required. <\/p>\n\n\n
In case you are hit by an uninsured or underinsured driver, this coverage will pay for your medical bills and other damages. It\u2019s a good idea to include this coverage in your policy because you can never be certain of who is around you and what kind of driver they are, it is best to cover yourself from the start. <\/p>\n\n\n
If you live in a state that operates on a no-fault insurance system, you may need to purchase additional motorcycle coverage to pay for your losses. Unlike a traditional fault-based system, each driver or rider in an accident in a no-fault state\u202fis responsible for paying for their own losses. <\/p>\n\n\n\n
Personal injury protection coverage helps compensate for your injuries, providing funds for medical expenses such as: <\/p>\n\n\n\n
This is an option you won’t see with other auto insurance policies as passengers are more rarely present on motorcycles than in cars. If you do carry passengers on your motorcycle, this coverage will pay for their medical bills in the event of an accident. It\u2019s a great option to have if you plan on taking friends or family with you on rides. <\/p>\n\n\n
Once you\u2019ve determined what coverage you need, it\u2019s time to find the right policy that fits your budget. Here are a few tips to help you save money on your motorcycle insurance: <\/p>\n\n\n\n
By following these tips, you can find the right policy for your motorcycle that fits within your budget and provides you with the protection you need. <\/p>\n\n\n
When it comes to motorcycle insurance, no matter what kind of coverage you need, our agents are here to guide you in finding the right policy for your bike. Here at Acceptance Insurance, we offer every coverage plan mentioned above and more to make sure you and your ride are safe on the roads. Request a free, no-hassle online quote today<\/a> to get your motorcycle protected and start saving money on your policy. <\/p>\n\n\n
Yes, in most states you must register your motorcycle before you can purchase a policy. Make sure to check the laws and regulations in your state when it comes to registering a vehicle or obtaining insurance coverage. <\/p>\n\n\n
Yes, you should always have some form of coverage on your motorcycle. Even if you only ride occasionally or seasonally, having coverage will protect you and your bike in the event of an accident. <\/p>\n\n\n
No, most policies are designed to cover you no matter where you ride. However, it’s always a good idea to double-check with your insurer that your policy covers you outside of your home state. That way, you can be sure that you and your bike are protected no matter where the road takes you. <\/p>\n\n\n\n
DISCLAIMER <\/strong><\/p>\n\n\n\n
Material in these articles is for general information or entertainment purposes only. Acceptance Insurance does not endorse and is not affiliated with any of the companies or apps listed in this article. Acceptance Insurance is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services, or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. Price may vary based on how you buy. Information and coverage descriptions are general in nature. Actual coverage depends on the policy. Policies are underwritten by third-party insurers that are not affiliated with Acceptance and are solely responsible for claims. Supplementary coverage options or products may be added to an insurance policy for an additional cost where applicable. See your agent for more information. Product and features are subject to underwriting criteria. Not all products, discounts or payment plans are available in all states or distribution channels. All products described herein are subject to terms and conditions. CA License #0K20173.<\/p>\n","protected":false},"excerpt":{"rendered":"
It\u2019s time to ride! If you\u2019re a motorcyclist ready to hit the open road, you need to make sure that both yourself and your bike are fully protected with the right motorcycle insurance policy. Finding appropriate coverage can be an intimidating task that often leaves riders feeling uncertain of their options. There are many factors […]<\/p>\n","protected":false},"author":10,"featured_media":74,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/270"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=270"}],"version-history":[{"count":5,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/270\/revisions"}],"predecessor-version":[{"id":669,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/270\/revisions\/669"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media\/74"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}