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How To Buy Cheap Motorcycle Insurance

Updated on December 27, 2014

What Are Your Options For Motorcycle Insurance?

If you ride a motorcycle, you need to have some degree of insurance in place to cover you if you are involved in an accident. Medical costs can quickly become astronomical if you have no coverage to cushion the financial blow. This article guides you through the basics of taking out motorcycle insurance.Types of motorcycle insurance As with motor insurance in general, there are several different types of motorcycle insurance coverage options.

Medical Costs

This option covers you for medical expenses if you or a passenger is injured in a motorcycle accident. While this does not cover every kind of medical expense that may be needed, you will usually be covered for expenses such as ambulance travel, x-ray costs, dental costs and surgical costs. In many cases, medical costs will only be covered up to a certain amount, and any costs that go beyond this amount will have to be funded out of your own pocket. This can vary depending on the insurance provider that you take out the insurance policy with, so it is best to check the details of what is actually covered before you commit yourself to avoid any nasty surprises if an accident occurs further down the line and you find that you are not actually covered for something after all.

Personal Injury Protection

This option also includes medical costs, but is more comprehensive. In addition to covering medical and hospital expenses, a Personal Injury Protection coverage option also covers lost income as a result of a motorcycle accident, childcare expenses and even funeral expenses if the worst happens. With Personal Injury Protection insurance, you are reimbursed regardless of who was to blame for the accident so you should be covered even if you caused the accident. This coverage option is not available across every US state, so you will need to check if it is an option in your state.

Collision Cover

This option covers damage to your motorcycle if you are involved in an accident. As well incidents involving other vehicles, it also covers collisions with objects such as trees and lampposts.


Comprehensive Cover

This option covers damage to your motorcycle that has not occurred due to a collision with another vehicle or object. For example, your motorcycle may be damaged by flooding or fire, or it may be stolen or vandalized. In most cases, a Comprehensive Cover policy covers the cost of repairs or a replacement motorcycle up to the cash value of the motorcycle.

Uninsured or Under-insured Motorist Bodily Injury Cover

This option covers you if you or a passenger are injured or killed after being involved in an accident that was caused by a motorist with inadequate insurance or who has no insurance at all. Your state will determine how much coverage you need and what exactly you need to be covered for, so you need to check this to make sure that you are fully covered.

Property Damage

If you have a motorcycle accident, you may inadvertently damage property that belongs to someone else. This option covers you against accidental damage to property such as vehicles, homes and shop windows as the result of a motorcycle accident that was your fault.

Raise The Deductible

Raise the cost of your deductible and your premium can drop up to 40%.  If you have an outstanding loan or are driving a leased car, check your contract to ensure your new deductible is in compliance.  Many banks and leasing agents set forth their own minimum deductible terms when agreeing to lease a vehicle or give out a loan.  Pro tip: Before changing your policy, tuck enough money to cover the deductible into a savings account. In the event of an accident, you'll have enough money available--plus you'll earn interest!

Remove unnecessary policy items: Many insurance companies sell policies in package deals, sometimes including unnecessary items. Go through your policy in detail, ensuring every line item on your policy is something you require. Watch out for the biggest policy-bloating culprits--roadside assistance and rental car coverage.  Consider dropping these items to cut your insurance costs, especially if you purchased a new car from a dealership. Many car manufacturers, including Volkswagen, include these amenities with your vehicle's warranty.

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