Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Whether you’re a seasoned rider or just starting, having a motorcycle insurance policy and understanding the coverage basics are essential. Jack Russell Insurance is here to help you navigate your motorcycle insurance needs. Give us a call today to learn more.
How Does Motorcycle Insurance Work?
Motorcycle insurance works in much the same way as car insurance. You pay a premium to an insurance company, and in exchange, the company agrees to pay for any covered losses or damages.
The premium you pay is based on several factors, including your age, driving record, type of motorcycle and the amount of coverage you select. The more coverage you choose, the higher your premium will be.
What Does Motorcycle Insurance Cover?
Like car insurance, motorcycle insurance typically includes liability coverage, which pays for damages or injuries you cause to others in an accident. This coverage is usually mandatory and required by law.
In addition to liability coverage, motorcycle insurance can cover damage to your motorcycle and medical expenses for you and your passengers. Some policies also cover theft, vandalism or other types of damage.
What Are the Optional Types of Motorcycle Insurance?
While liability coverage is usually mandatory, there are several optional types of motorcycle insurance you may want to consider:
Collision coverage—This helps pay for damage to your motorcycle if you’re involved in a collision with another vehicle or object.
Comprehensive coverage—This helps pay for damage to your motorcycle from non-collision events, such as theft, fire or weather-related damage.
Uninsured/underinsured motorist coverage—This helps pay for damages and injuries if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
Accessories coverage—This helps pay for damage to or theft of any additional equipment or accessories on your motorcycle, such as a custom paint job, stereo or saddlebags.
How to Get Motorcycle Insurance
Motorcycle insurance is an essential way to protect yourself and your investment while on the road. Call our agency today for your free, no-obligation quote for a tailored motorcycle policy.