Need Motorcycle Insurance? We've Got You Covered
Are you sick and tired of flipping through price quotes for motorcycle insurance, comparing rate after rate? Paperwork isn’t the reason anyone gets into riding motorcycles after all: it’s time spent away from riding free.
However, we have a way to make this all so much easier for you: purchasing motorcycle insurance through Insurance Navy. But what kind of coverage do we offer, and what do you need to know about the insurance policy you’re purchasing for your motorcycle?
Well, we’re glad you asked. It’s time to delve into how we here at Insurance Navy have the proper coverage when it comes to motorcycle insurance! So without further ado, let’s look at the coverage and benefits we offer for you and your motorcycle!
Insurance Policies We Offer
The main thing Insurance Navy offers is complete motorcycle insurance coverage tailored to your budget. We offer free quotes on all types of motorcycles to give you the coverage that works best for you. For further financial savings, we offer policy discounts for clean driving records.
Policies for all types of Motorcycles
We also offer coverage for multiple types of motorcycles. Three-wheeled motorcycles are eligible as well as the standard two-wheel motorcycle. We also accept motorcycles from a large array of different manufacturers.
We also offer top-of-the-line customer service open 7 days a week, whether it’s over the phone, text, or our online live chat. To top it all off, you can purchase additional roadside assistance coverage to get your motorcycle serviced quickly and efficiently no matter what the problem.
Finally, you can rest assured that you’re in the hands of insurance experts. Since our company has to juggle multiple types of insurance policies, we know the rules inside and out and will give you the best deals and coverage around.
Why Get a Motorcycle Insurance Policy?
So why is it so important for you to get motorcycle insurance coverage? Well, it’s required by law in most states, though the exact amount of insurance coverage you need to drive in the state will vary. You aren’t even allowed to register a motorcycle with the state in most cases if you lack insurance coverage for it.
Don’t get caught driving your Motorcycle without insurance
Getting caught driving a motorcycle without insurance opens you up to serious fines and other legal repercussions, though these vary as well. For example, the state of Maryland will charge you $150 with an additional $7 tacked on every day you don’t pay the fine. Your license will also get revoked, and you’ll be unable to purchase another motorcycle until the matter is settled.
Another reason you need motorcycle insurance is that it will give you financial protection in the event of an accident. The cost of motorcycle repairs and hospital bills can grow overwhelming, and insurance coverage helps you not go bankrupt if tragedy strikes.
What Insurance Choices Do You Have?
When buying motorcycle insurance, there are a variety of different policies you can choose from to fit your situation. Liability insurance coverage is the gold standard, as it covers the cost of any damage you do to property or people while riding your motorcycle.
Collision and Comprehensive Insurance for your Motorcycle
To get the best of both worlds, collision insurance coverage is available to compensate you or other drivers regardless of fault. If you’re worried about events outside your control damaging your motorcycle, you’re looking for comprehensive insurance coverage. This offers your motorcycle protection from any damage it would take from an outside force (foul weather, natural disasters, vandalism, theft, etc.).
Uninsured Motorist Insurance on your Motorcycle
But what if you get into an accident with someone who lacks insurance? In that case, buying uninsured motorist coverage will give you compensation. You can also buy coverage for your personal effects (cell phone, wallet) or motorcycle accessories (like a helmet) if they get damaged while you are riding.
Your motorcycle policy also determines how your insurance coverage pays out in the case of an accident. If the insurance policy states actual cash value, then you’ll get reimbursed the market value of your bike (minus your deductible). Stated amount or agreed value indicates that you’ll get paid whatever set fee you agreed to when you bought the insurance policy for your motorcycle.
Insurance Coverage Cost Factors
The factors that determine the cost of your motorcycle insurance coverage include age, where you live, and your previous driving history. Attributes about your motorcycle like its age, how much use it gets on a set basis, or what model motorcycle it is also come into play here.
Different motorcycle policies also carry different price tags. For example, you’ll need to carry a lot more insurance coverage to protect people from injury than you will to insure property damage.
How to Save Money on Motorcycle Insurance
One step you can take to reduce the cost of motorcycle insurance coverage is passing an MSF (Motorcycle Safety Foundation)-approved driving course. This demonstrates that you’ve taken steps to practice safe driving techniques with your motorcycle, which we will reward in kind.
Another idea you can use is asking about our lay-up opportunities. This allows you to remove some types of coverage from your bike during the winter when you’re not driving it as often. After all, you don’t want to spend money on a motorcycle you’re not even driving.
Bundle your insurance and save!
If you drive a car as well as a motorcycle, you can also bundle the two insurances together to save money on both. Special policy discounts also apply if you are trying to insure more than one motorcycle. Memberships with certain motorcycle organizations can also prove valid towards getting you a discount on your motorcycle insurance coverage.
Get A Quote for your Motorcycle
And that’s all there is to it! Now that you know all about motorcycle insurance and how Insurance Navy can help you ride safely, you’re able to hit the open road without a care in the world! To get started today, feel free to contact us or one of our agents at any of our convenient locations!