Motorcycle Insurance 101: First Time Riders
Updated: Sep 20, 2020
The Cool Commuter
When you think of motorcycles, a few things come to mind. Typically, they are thoughts related to the Sons of Anarchy. However, there are actually a lot of practical things to consider purchasing a motorcycle. One of the most common reasons that people choose to buy a motorcycle is the level of convenience. With more and more people taking jobs in large cities and commuting, there is an increased amount of traffic. The average commute time for a driver in a vehicle is over 30 minutes in the US. Motorcycles allow riders to skip traffic and save on gasoline expenses. Dependent on the bike and the driver, insurance may be more costly.
Because motorcycles are frequently purchased by the average commuter, it is important to know about all the necessary preparations. Considering all of the added needs based on your personal preferences is essential. If you are preparing to ride your motorcycle to work or more often than a leisure ride, insurance is a necessity. There are several things that can be a liability for a motorcycle owner. Read on to learn about potential hazards and the best way to ensure your ride.
What to Consider with Motorcycle Insurance
When considering a bike as your mode of transportation, insurance should always be the first step you take. A motorcycle, while convenient, can be somewhat of a risk to ride. One should think about the potential risk of damages to the bike, accidents, repairs, and even your potential injuries. If you decide to purchase a motorcycle for more than one rider, you must have insurance that could cover both riders. To avoid any lack of coverage, do not simply purchase the cheapest policy.
A typical motorcycle insurance policy will cover the basics. Similar to car insurance, it covers any damages you may cause to others and yourself. While motorcycles are often more affordable than a car, the damages tend to cost more. There are pros and cons to riding a motorcycle, but the proper insurance plan will make sure you are prepared. Luckily, motorcycle insurance is typically more affordable than car insurance. Make sure to use Insuravita to find the best policy for your specific needs.
Hit The Road
Now that you have chosen your insurance policy, there are a few things to keep in mind before you hop on your bike. Motorcycle laws can vary by state. For instance, lane splitting is only permitted in one state: California. As you become an experienced rider, you may want to add to your insurance policy. Additions can include bodily injury liability, personal property insurance, and guest passenger coverage. Not to mention, you can expand your policy to cover multiple bikes.
There are a lot of details to consider. Insuravita breaks it down for you here. And if you are wondering if you have a motorcycle or a scooter, read up on it here. Prepare and enjoy the ride!