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Three Reasons That Motorcycle Insurance Costs More Than Car Insurance


Purchasing a motorcycle can be exciting, especially for a first time buyer. However, it is important to note that any motorcycle insurance quotes that you obtain will be more expensive than if you wanted to insure a car. Motorcycle insurance cost should be a significant part of your vehicle budget. Although this extra expense may come as a shock, there are very valid reasons behind it.

The number one reason why motorcycle insurance costs so much more that insurance a car is because motorcyclists run a substantially higher risk of being killed or injured if they are involved in a motor vehicle collision. Each insurance coverage comes with its own premium which is then combined with others in order to come up with a final premium. For example, motorcycle insurance quotes can consist of liability, personal injury protection, collision, and comprehensive coverage. Medical expenses related to injuries sustained in a motorcycle crash can be very expensive. As well, motorcycles usually sustain more damage in an accident than a truck or SUV. Therefore, repairs and parts are more expensive. In most cases, a motorcycle is deemed a total loss. Increasing premiums for these coverages will help offset any claims filed.

Not only do motorcycles cost more to ensure than cars, vans, trucks, or SUVs, but the type of motorcycle an individual purchases also has an impact on the rates. Bikes with larger and faster engines contain parts that are more expensive to repair than those that make up a touring bike or a motorcycle with a smaller engine. Faster motorcycles are built for speed, which increases the risk of being involved in an accident.

Many insurance companies will include an additional insurance product to the overall motorcycle insurance cost. This coverage, called Med Pay, will cover any medical expenses sustained in an accident that may not be covered under a typical health insurance policy. Serious injuries, such as spinal and head trauma, are very common when involved in a motorcycle accident. These types of injuries usually require extensive and continuing medical care which can add up enormously. Sometimes, long term care is needed to help an injured person cope. This, of course, will cause the motorcycle insurance quotes to increase.

Before purchasing a motorcycle, it would be wise to obtain a few motorcycle insurance quotes to ensure that you are receiving the most comprehensive coverage for the best price. It is also important to realize that motorcycle insurance will be more expensive than insuring another type of vehicle. With this knowledge in mind when you are first starting out, you will not be shocked by the premiums you are quoted. You will then be able to make a more informed decision.

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