A Guide to Buying Motorcycle Insurance

A motorcycle can be a great form of transportation. Its small size enables it to go where bigger vehicles are unable to reach, whether that’s commuting across town or off-roading in the woods. When you have your ride, you’ll want to protect your investment by buying motorcycle insurance.

 At HighPointe Insurance Services LLC serving Overland Park, KS, we are ready to walk you through some basics on what motorcycle insurance is, its costs, and the factors to consider when getting coverage for your motorcycle.

Understanding Motorcycle Insurance

Motorcycle insurance varies depending on several factors, such as make and model, rider’s age, coverage types, and where you live. As with most things in life – the more you drive – the more expensive your policy will be. 

The Major Types of Motorcycle Coverage

There are three types of motorcycle coverage; Liability, Comprehensive, and Collision. Depending on the motorcycle you have, you may need all of them or just liability coverage.

  • Liability insurance will cover damage to a third party in case of an accident. So if you hit a car while riding your bike – this is the policy that will pay for damages to it– hence – ‘liability’. Anytime someone else’s property is damaged because of you, this is the policy to have.
  • Comprehensive insurance – Comprehensive motorcycle insurance covers damage to your bike that was not the result of an accident. This includes theft, fire, and other major disasters. Considering how expensive motorcycles can be, this type is usually worth its higher price tag because the cost of replacing or repairing a motorcycle without insurance could easily exceed several years’ worth of premiums.
  • Collision coverage – This type covers damage to your bike if it collides with another vehicle or object. It may also cover damage from falling over or running into roadside obstacles such as mailboxes and telephone poles.

Not sure how to go about getting proper motorcycle insurance or even if you need it? Don’t fret; HighPointe Insurance Services LLC at Overland Park, KS has got you covered. We can help you choose an insurance policy that suits you and your bike.