If you’ve recently become a motorcycle owner, you’ll quickly discover there may be nothing more exhilarating than taking to the open road on your new bike. However, before you do so, the most important thing you can do is purchase motorcycle insurance. Because you will be more vulnerable to the elements than you would be in a vehicle, it’s critical that the coverage you get is adequate. To ensure this, there are a few things you must learn about before you start shopping.

The professional agents at 1st Choice Insurance in Fairfield, OH, offer their expertise in specialized and high-risk insurance policies. Below, they go over a few basic things every rider should know so they can buy a policy with confidence:

• Types of Policies: Just as with car insurance, there are different types of policies available to motorcyclists. Liability is required to cover any injuries or property damage you may cause to another. Aside from that, comprehensive and collision coverage, personal injury protection, and uninsured/underinsured motorist coverage are all optional.

• Additional Coverage Options: Roadside, rental, and trailer coverage are additional options that can come in handy as well. Another way you may want to consider supplementing your motorcycle insurance policy is by adding accessory coverage. If you have a vintage bike or one that has been customized in any way, this will cover those more expensive parts should they be stolen or damaged.
• Discount Eligibility: As with any kind of insurance, the more you can save on your premium without compromising the quality of your coverage, the better. Many providers offer discounts to lower rates, so it’s worth asking your agent if you qualify. You may be eligible if you bundle your motorcycle and homeowners insurance, have safety features on your bike, take safety training classes, or belong to a riders club.

Purchasing the right motorcycle insurance now will help to protect your financial future. Contact 1st Choice Insurance at (513) 860-0666, or visit them online for additional information on the products and services they provide.