Motorcycle Safety: Coverage need for riding the open road

[Green_Girl]

Motorcycle safety: Coverage needs for riding the open road


Motorcycle enthusiasts will tell you there's nothing quite like cruising the open road on the back of a bike, and many drivers find themselves wanting to get a motorcycle of their own for the warm weather months. If you're in the market for a bike, be aware that just like any other vehicle, it's illegal to ride a motorcycle on the open road without insurance. So what do you need to know about motorcycle insurance before you strap on your helmet? Read on.

According to Motorcycle.com, rates for motorcycle insurance are similar to those for auto insurance. Companies consider your age, driving record and location when determining your premium. If you're an older first-time rider or have a history of auto accidents on your record, you may be tagged with higher rates. Additionally, living in a high-crime area is a risk, and companies will want to know how your vehicle is stored. Alarm systems, a garage or other security measures are recommended to keep your insurance costs low, and you can even take safe cycling courses similar to those found for regular vehicles.

Location also comes into play if you live in an area with "driving seasons." Obviously, if you're driving only six months of the year, your mileage will be low and your premiums could follow suit. Insurance companies will also take your bike's make and model into account, said the source.

So what kind of coverages do you need? Coverages for motorcycle insurance are fairly similar to those for auto insurance, and states vary on what they require. Liability coverage, as always, is mandatory, covering you if you injure someone else or property while riding. You can also add comprehensive and collision coverage where needed, and uninsured motorist coverage will protect you if your bike is ever damaged in a hit-and-run or by a driver who is uninsured.

Medical payment coverage takes care of hospital bills in the event of an accident, while some companies also offer coverage for special accessories, such as custom parts and equipment. Additionally, some policies offer a roadside assistance program.

You can adjust these coverage levels depending on your needs and budget, so be sure to ask questions and obtain a number of motorcycle insurance quotes. Do your research, and be familiar with the requried insurance laws and levels in your state. For instance, motorcyclists in California aren't even allowed to purchase a bike unless they have secured liability coverage, according to Motorcycle.com, so don't put off your insurance search for later. Obtain quotes now and prepare yourself for a safe and exciting ride on the road.