All You Need to Know About Motorcycle Insurance

Riding a motorcycle is fun and adventurous. However, it also comes with certain risks. Accidents happen, and bikes are also stolen and vandalized. That’s why you should get motorcycle insurance and get financial protection in the event of an accident or other unexpected events.

Keep reading this guide to learn more about motorcycle insurance, and for more information, contact Biggs Harley-Davidson®.

What is Motorcycle Insurance?

Motorcycle insurance is a type of coverage or financial protection for bike owners in the event of an accident, theft, or other unexpected events. It covers bodily injury, property damage, and theft.

Types of Motorcycle Insurance

There are different types of motorcycle insurance policies for distinct levels of coverage.

Liability insurance is the most basic type that covers damages and injuries caused to others in an accident. Collision insurance covers repair costs or replaces your motorcycle if it gets damaged in an accident. Comprehensive coverage provides protection against theft, natural disasters, and other non-accident-related damage. Finally, there's uninsured/underinsured coverage, which covers you if you're involved in an accident with a driver who doesn't have sufficient insurance to cover you or has no insurance.

How Much Does Motorcycle Insurance Cost?

The cost of motorcycle insurance depends on various factors, such as the type of motorcycle you own, your driving record, your age, and the level of coverage you need. Typically, wider coverage means a more expensive policy. But that will also mean enjoying more peace of mind when riding your bike.

Tips to Choose the Right Insurance Coverage

Consider your personal preferences, such as your risk tolerance and budget, when choosing the right insurance coverage for your motorcycle. Discuss your insurance needs with a trustworthy agent to identify the perfect one.

Now that you know more about motorcycle insurance, you are ready to get one for your bike. If you need more advice or are still in the market for a motorcycle, visit Biggs Harley-Davidson®. We proudly serve San Marcos, San Diego, and Oceanside, CA, so stop by today.