Despite how different they look from standard motorcycles, scramblers, dirt bikes, motorscooters, or mopeds, as they are sometimes called, they are in the same vehicle class as those bikes. If you drive a scooter or a moped, you must carry the right auto insurance policy coverage and motorcycle license.
However, while liability coverage is the only insurance requirement for getting your scooter or moped insured, like with car insurance, several insurers recommend that those with motorcycles, mopeds, or scooters have full coverage of scooter or moped insurance. A motorbike can efficiently sustain more damage than a car after a collision or an accident. The good news is that mopeds and scooters are less costly to insure with basic or comprehensive coverage than a car.
How Much Scooter or Moped Insurance Do You Need?
Every state requires a different amount of vehicle insurance for drivers using their roads -in cars, motorbikes, ATVs, scooters, or mopeds. They usually require liability insurance, which covers property damage and personal injuries you cause to another driver and their vehicles. To find out what kind of insurance is needed for your specific scooter and what coverage options suit you, speak with an insurance agent in your area.
It’s best to carry full scooter or moped insurance coverage to insure yourself and your scooter or moped since you are more prone to property damage and medical injuries on such a vehicle during a collision or an accident. That’s why it’s important not to keep your scooter or moped uninsured.
Suppose you decide to have comprehensive coverage for your motorcycle. In that case, it will pay for covered losses from events other than collisions, like theft, vandalism, or fire.
Uninsured/underinsured motorist protection, which in most states is an additional choice of coverage, pays for harm to a rider and their vehicle brought on by another party with insufficient insurance.
Collision coverage will pay for the repairs if you have an accident and damage your moped or scooter.
If you are hurt in a scooter accident, medical payments coverage assists in paying your medical bills.
Regarding registration and getting a motorbike license, you’ll have to take certification classes and have your scooter or moped registered with plates.
Again, scooter or moped insurance is cheaper than car insurance, so you can find affordable rates when comparing quotes for your scooter insurance policy premium from different insurers.
Who Drives a Moped or Scooter?
People buy motor scooters and mopeds for the same reason they would buy a motorcycle or ATV: they want to ride the roads more freely during the summertime.
That’s why motorcycle, scooter, and moped purchases are often seasonal, with most sales occurring when the weather is warm. Gas prices also play a role when people buy a scooter or moped. While prices for fuel rise, more people turn to motorbikes, scooters, or mopeds for fuel efficiency.
What’s the Difference Between a Scooter and a Moped?
Motorcycle engines are generally more powerful than motor scooters or mopeds. Scooters and mopeds typically have engine sizes between 50 cubic centimeters, or cc, and 250 ccs. The design and transmission of this type of two-wheeled vehicle set scooters and mopeds apart. This makes riding and handling a scooter or a moped much easier.
People often think of a motor scooter or moped as less risky than a motorcycle -because these scooters are more suited for beginner riders than any other type of motorcycle. But, insurance companies see scooters, mopeds, and motorcycles as the same regarding risk and coverage levels. That’s why moped scooters and motorbikes must be insured.
Shopping for scooter or moped insurance? Insurance Navy can help you find the best-moped insurance coverage at the best price!
Don’t let high annual premiums stop you from driving insured. Contact Insurance Navy today for a cheap motorcycle insurance quote and see how cheap scooter insurance coverage can be. Call us at 888-949-6289 or use our mobile app to request a quote. Agents can also help you in person at one of our many storefronts.
