Motorcycle Insurance Articles
How Motorcycle Insurance Provides Coverage For New Motorcycle Riders
2010-08-27
New riders pay more for motorcycle insurance coverage, as they're more of a risk than experienced riders. However, new motorcycle riders should never sacrifice coverage just to get a better insurance rate. Motorcycle insurance coverage is especially important for newer riders for the exact reasons that it's more expensive--new riders are more likely to be involved in an accident, and they're more likely to need their motorcycle insurance coverage. If you're a new rider and you've never purchased insurance for your bike before, here are a few things that you should know about how your coverage protects you on the road.
In most states, new motorcycle riders will need to carry liability coverage. This coverage is vital, as it protect a rider's finances if he or she is involved in an accident. Different liability coverage handles different legal claims and damages that might occur; property damage liability, for instance, covers the cost of damage to another vehicle and any other property involved in an accident, while injury liability can cover the treatment and hospitalization charges of other drivers. New motorcycle riders should also look into personal injury protection, which pays for the policy holder's hospitalization (to a degree). Most motorcycles purchased with a loan will also need comprehensive coverage, which handles repairs to the policy holder's motorcycle. All riders should consider every single coverage type available on a motorcycle insurance policy. A well-rounded policy will contain liability, personal injury protection, and comprehensive coverage, in addition to add-on coverage like roadside assistance that can prove useful down the road.
Of course, setting up a protective motorcycle insurance policy has its downside. New bikers will pay much more for this coverage, especially if large coverage and low deductibles are selected for a policy. Luckily, there are a number of ways to decrease rates. New riders should always look into safety classes, which teach specific skills for riding a motorcycle. Insurance companies will usually discount the motorcycle insurance premiums of new riders who take certain classes, although it's important to check with your insurer to find out whether this is the case. Other discounts may be available, too, depending on the insurance provider.
New motorcycle riders should always compare quotes online, as this can help ease the cost of motorcycle insurance premiums. The important thing is to keep coverage levels as high as is feasible. Good motorcycle insurance coverage is worth the money, as it provides strong protection from nearly every bill that a rider would face in an accident. For new riders, a strong policy is a very smart decision.