Summer is finally here, which means motorcycle enthusiasts across the country are hitting the road, and those thinking of buying a bike are taking the plunge. However, before getting on yours this summer, it’s important to make sure you’ve got motorcycle insurance that covers all your needs. Below are a few things you need to know about this vital coverage.

3 Things You Should Know About Motorcycle Insurance

There Are Several Types

Every state requires bikers to carry a certain amount of liability insurance, but that won’t pay to fix your motorcycle if you happen to cause an accident. For that, you need collision coverage, which encompasses all repairs up to the policy’s limits. Comprehensive coverage, on the other hand, pays for damages due to theft, vandalism, and any other incidents that occur when your bike isn’t on the road.

Accessories May Not Be Protected

The standard motorcycle insurance policy covers damage to the bike itself, not including any modifications or accessories you might have added. If you’ve incorporated custom exhaust, chrome parts, or other components, you may want to consider purchasing more coverage for these valuable additions.

Discounts May Be Available

Many insurers offer substantial discounts, based on a wide variety of factors. For instance, you could lower your premiums by taking an approved motorcycle safety course or having points removed from your license. Bundling your motorcycle insurance with your auto or homeowner’s policy can also result in substantial savings. Also, you can ask your agent whether you can save by installing an anti-theft device on your bike.
 

As one of Omaha, NE’s, leading independent insurance agencies, Accredited Insurance Group, Inc. offers policies from several of the industry’s top carriers and has an experienced staff who will tailor their products to meet your needs. To request a motorcycle insurance quote today, visit their website or call (402) 334-1780. Follow their Facebook for more helpful advice.