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The Differences Between Motorcycle Insurance And Moped Insurance


Whether you are buying your first moped or upgrading to a standard motorcycle, it is important to understand how engine size, shifting mechanisms and other factors affect motorcycle insurance rates. If you are shopping for motorcycle insurance online, it helps to be familiar with your state's motorcycle and moped regulations, as well as your own bike's specs. Before buying a new motorcycle or moped, it is a good idea to confirm whether the engine size complies with your state's regulations and licensure requirements. Although some states do not require moped insurance, purchasing a specially-designed policy can protect you and your bike in case of an accident.

When mopeds were first introduced to the U.S. during the gas crisis of the 1970s, only 30 states established a moped classification, so regulations regarding their operating requirements still vary from state to state. In some areas, the difference between a moped and motorcycle is one cubic centimeter. Depending on your state, mopeds might be classified as lightweight motorcycles that require a special Class M license, or you might be eligible to ride with a standard driver's license.

In some states, mopeds are treated the same way as snowmobiles and recreational vehicles. Even if your state does not require moped insurance, purchasing a motorcycle insurance policy specifically designed for mopeds is the best way to protect your bike against damage, theft or collision. Whether you already insure a moped and want to add a new motorcycle or vice versa, companies that specialize in motorcycle insurance also offer special policies for mopeds, standard motorcycles, sport models and touring bikes.

Before you commit to buying a moped or lightweight motorcycle, know the facts about your state's regulations and classification system. To drive legally on the road, mopeds require standard safety features, including front and rear lights, dual-wheel brakes, a traffic horn, mirror and secure seat. If you are shopping specifically for mopeds, several factors can help identify bikes that meet state moped requirements. Pedals are an important part of the moped, yet surprisingly, not all states agree whether a moped must have them. If you are buying a moped that does not have pedals, check with your state's regulations before committing.

Mopeds that have gears or shifting mechanisms are traditionally classified as motorcycles, so if your moped has multiple gears, reaches top speeds of 35 mph or has an engine larger than 50 cubic centimeters, chances are that you will need to purchase a standard motorcycle insurance policy and complete an additional titling process. Whether you are shopping for moped coverage or motorcycle insurance online, attending a state-authorized motorcycle training course can reduce your motorcycle insurance premium by 10 percent.

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