Motorcycle Insurance

For those who own motorcycles, there's nothing better than the freedom of getting out on the open road. However, before taking off on your next adventure, it is important to make sure you have adequate insurance coverage. This is where Bates Insurance Group can help.

Purchasing Motorcycle Insurance

Buying motorcycle insurance isn't much different than purchasing car insurance. The state still requires you to carry liability coverage for medical bills and property damage costs of others in case you are involved in an at-fault accident. You also have the option of adding comprehensive and collision coverage to take care of repair costs to your bike in case it is ever in a collision, vandalized, damaged due to weather, or stolen. There are also a whole host of first party medical coverage options available. To decide which options suit your needs the best, it is important to speak with one of our agents.

What Affects Motorcycle Insurance Rates?

Just like with car insurance, there are a range of different factors that affect motorcycle coverage rates. Things such as the year, make, and model of your bike are considered. The number of thefts and accidents in previous years for the zip code where you live also figures into how much you will pay annually for a policy. In addition, your age, past driving record, and claims record are also reviewed. All of these elements combine to come up with your total cost for motorcycle insurance coverage.

How Independent Insurance Agents Can Help

Working with an independent insurance agent is often a wise choice for motorcycle owners. These agencies sell policies from a wide range of carriers instead of just one, which can really make a difference in the overall process. Not only does this allow the flexibility of finding the right policy for your exact model of bike, it can also help you find the ideal amount of coverage within your budget range.

Learn more about motorcycle insurance. Please contact our dedicated and knowledgeable team at Bates Insurance Group today.