You might not think you need motorcycle insurance if you are a careful rider or have never had an accident. But even the most cautious of riders can be in a crash because of someone else’s carelessness. You deserve to feel protected and worry-free when riding your bike, which is why motorcycle insurance is so important.
Why do you need motorcycle insurance?
Motorcycle insurance covers you in the event your bike is stolen, vandalized, or damaged. It can also cover any injuries that may occur while riding. Being a safe rider doesn’t always mean avoiding accidents and injury free rides; motorcycle riders are still at risk of being injured by others on the road without protection from their own personal health insurance.
What are the benefits of having motorcycle insurance?
Some of the benefits you can receive from motorcycle insurance are:
– Full coverage for your bike in case it gets stolen or damaged
– Reimbursement if a collision results in injury to yourself or any other party involved
– Personal liability and property damage protection, which covers people who may be injured while riding. There is also coverage for damages to property.
– Personal injury and disability coverage
– Medical payments coverage, which covers any medical expenses incurred while riding your bike or during the course of a crash with another party
– Roadside assistance services that can help you get back on the road quickly if needed. These may include battery jumping, tire changing, fuel delivery, and more
– And much more!
This is why motorcycle insurance is so important. You deserve to feel protected and worry-free when riding your bike, which is why motorcycle insurance is so important.
How to find the best motorcycle insurance company for your needs?
There are a few things to consider when shopping for motorcycle insurance:
– What kind of bike do you have? (Different bikes may require different coverage)
– Where will the bike be stored or garaged most often?
– How many miles on average does your mileage exceed each year? Is it mostly in city traffic, rural roads, or freeway driving?
– What kind of rider are you (experienced commuter vs. occasional rider)
– Do you have any existing health conditions that might affect your insurance rates?
The first step is to get a quote from several different companies before deciding which one works best for you and your bike. This will help ensure you are getting the best deal possible.
When should I get coverage, before or after buying a bike?
Option: You should get coverage before buying a bike.
– If the bike is stolen or damaged, you can have it replaced without having to pay for it in full beforehand
– Motorcycle insurance protects your bike from any theft and damages that may occur through accidents while riding no matter what happens to the rider
Option: You should get coverage after buying a bike.
– If you are purchasing an older, used bike then insurance may not be needed since it is already at risk of being stolen or damaged
– It can also protect against any injuries that may occur while riding when the rider doesn’t have health insurance Getting motorcycle insurance before you buy a bike will be more expensive, but it may save money in the future. Getting coverage after buying your first bike could mean paying higher rates than if you had gotten them earlier on.
If you would to like to discuss your options for motorcycle insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.