3 Common Questions About Motorcycle Insurance

Motorcycle insurance is crucial for safeguarding you and your bike from the financial ramifications of unexpected incidents. However, many riders wonder what coverage they need and how to secure the best rates. Here are three common questions about motorcycle insurance and insights to help you make informed decisions.

What Types of Coverage Do I Need?

Motorcycle insurance typically includes a range of financial protections to cover you and your bike. Here are some common coverages:

• Liability coverage—This can cover bodily injury and property damage you may cause to others in an accident.

• Collision coverage—This may pay for damage to your motorcycle resulting from a collision with another vehicle or object.

• Comprehensive coverage—This can cover damage to your motorcycle from noncollision events such as theft, vandalism, fire or natural disasters.

• Uninsured/underinsured motorist coverage—This can financially protect you if you’re involved in an accident with an at-fault driver who lacks sufficient insurance.

• Medical payments coverage—This may help cover medical expenses for you and your passengers in the event of an accident, regardless of fault.

• Accessory coverage—This can cover custom parts and accessories on your motorcycle, such as saddlebags, chrome pieces and custom paint.

How are Premiums Determined?

Motorcycle insurance premiums depend on factors such as age, riding experience, bike type, location, driving record and coverage level. Riders can often lower costs by taking safety courses, maintaining a clean record and bundling policies.

What Discounts are Available?

Many insurers may offer discounts to lower motorcycle insurance costs. Common savings include completing safety courses, bundling policies, installing anti-theft devices and being a mature or experienced rider or motorcycle association member.

Reliable Insurance Solutions Near You

If you’re looking for reliable motorcycle insurance in Cranberry Township, Pennsylvania, consider Dunton Insurance Agency. We can offer personalized service and a range of coverage options to meet your specific needs. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.