A Newbie’s Guide to Motorcycle Insurance

Whether you buy a motorcycle for work or pleasure, you need insurance protection to cover your investment. If you’re new to the motorcycle scene, it’s best to research your options before making any definite decisions on what kind of insurance to buy. Insurance companies and policies are not “one size fits all.” Here are a few guidelines that can help you get the best coverage for your new bike.

Get Insurance Quotes in Advance

Similar to car insurance, you can compare what different companies have to offer for bike insurance online. In fact, you may want to get a quote before you even purchase your motorcycle as some makes and models are more expensive to insure than others. High performance bikes used for sports racing, for example, are more costly to insure due to a higher risk of accidents and being more expensive to repair. By discussing insurance costs with a reputable agent in advance, you can make a smart bike choice that will keep your insurance cost down.

Work with a Reputable Agent

Comparing insurance costs online makes it easier to narrow company options so you can pay them a visit and clinch a deal. It’s good to talk to an agent in person as it allows you to ask questions, go over the policy in detail and establish a rapport with a company representative.  An agent can help you personalize your insurance coverage to suit your specific needs and budget. He or she can also explain the legal ramifications of having insurance to give you a better understanding of what kind of coverage to buy.  

Working with a company you trust is key to getting the best coverage at the best price. At InsureUS, we can guide you to making excellent motorcycle insurance choices to protect your new investment.