When the anticipation of summer has you craving a ride on the open road, you’ll want to ensure your motorcycle is adequately protected with proper insurance coverage. Action Auto Insurance Agency in New London, CT, offers several reasons you should be proactive in securing motorcycle insurance.
If you plan on riding this summer, legality should be your top reason to get insured. In Connecticut, it’s required by law for bikers to have coverage minimums of $20,000 for bodily injury per person, $40,000 for total bodily injury, and $10,000 for property damage. But since these limits only cover other parties in an incident, you’ll want additional coverage to avoid surprise repair costs in the event your bike is damaged.
Apart from legal requirements, Action Auto Insurance Agency reminds motorcyclists that the risk of accidents increases in the summer. There’s typically more traffic, increasing your risk of a collision, as well as a statistically higher number of younger, inexperienced drivers out on the road.
Due to these factors, it’s common for insurance providers to raise car insurance quotes during the summer. And while it may not be as noticeable, the same pattern can be detected with motorcycle insurance rates. As such, it’s crucial to secure a policy before summer hits.
If you only plan on riding your motorcycle during the warmer months, it’s important to consider the structure of your policy. For example, if you open a standard motorcycle insurance policy, but cancel it prematurely after summer ends, you may be left with some of the costs. However, if you ask your provider for a seasonal or temporary policy, you may be able to obtain a lower rate without the penalty.
If you want an affordable motorcycle insurance quote in New London, CT, consult the experts at Action Auto Insurance Agency. With years of experience covering everything from homes to businesses, these agents understand how to create policies designed for your lifestyle and budget. Summer will be here before you know it—so call their agency at (860) 444-7224 today to request a quote or find out if you can save by bundling motorcycle coverage with an existing policy.