Motorcycle Insurance Articles
How Motorcycle Insurance Quotes Cover Several Types Of Bikes
2010-06-29
Part of the reason most people love their motorcycle is because of the freedom it represents, not to mention that they are cheaper to sustain, more fuel-resourceful and easier to maneuver than a regular motorized vehicle. However, shopping for motorcycle insurance quotes and finding a good policy just makes sense if you want to avoid costly legal and medical bills. Riding without insurance can cause unnecessary financial hardships, should the unthinkable occur.
Most states require that your wheels be insured, but some people do not realize that motorcycles follow the same laws as other vehicles, and this includes having adequate coverage. It is imperative that you have protected yourself if your bike is involved in an accident, is stolen, vandalized, damaged or destroyed.
You can be held financially responsible in the event of an accident and you are found to be at fault. Getting motorcycle insurance quotes and the coverage it provides will ease your mind every time you hit the road. Moreover, it covers you if you are injured at the hands of an uninsured motorist.
Just as there are many types of motorcycle insurance quotes available, there are just as many different types of bikes that need to be insured. Most insurance companies consider it a motorcycle if it is factory built and street-legal. This can include scooters, any two or three-wheeled bike, street, trail and mini-bike. Other vehicles, such as dune buggies, require other types of special coverage. Always ask for details on what types of bikes the company insures. The wrong policy type can land you in legal hot water.
The most common types of motorcycle insurance quotes available are liability, collision and comprehensive policies. Liability insurance is the minimum that most states require, but it only ensures that other people do not have to foot the bill if you are at fault. Collision and comprehensive will more fully cover you, your motorcycle and others in the event that you are at fault, and typically require that you pay a deductible. Depending on your state's laws, the type of bike you will be insuring, along with any custom parts you have, will determine how much you will be paying and what is covered.
Cruising on the open highway on a motorcycle can be a blast, but it is vital that you carefully shop for motorcycle insurance quotes. After all, it's just you and your skin out there, and the latest reports state that every 15 seconds a motorcyclist is involved in an accident. Financially protecting you, your bike, your passengers and others that share the road with you is critical.