There may be nothing quite as thrilling as setting out on the open road on a motorcycle. However, it’s no secret that this excitement comes with risk. Riders are particularly vulnerable to injuries and property damage when a traffic collision occurs. This is why it’s crucial to ensure you are protected by motorcycle insurance. For years, Farmers Insurance agent Brent Layton has been helping the residents of Tremonton, UT, find quality coverage at affordable rates. Below, he addresses some of the most common inquiries clients have regarding motorcycle insurance.

FAQs About Motorcycle Insurance

Is Motorcycle Insurance Required?

Utah requires motorcyclists to carry a minimum amount of liability insurance as a way of taking financial responsibility for any damages they may cause in an accident. Your policy must include at least $25,000 for bodily injury per person, $65,000 total bodily injury when multiple people are hurt, and $15,000 for property damage. Although this is the only required insurance coverage, it’s important to consider other types as well, such as collision, comprehensive, and personal injury protection.

Will My Policy Cover Passengers?

This typically depends on the insurance company you decide to sign with and the policy you select. Coverage for motorcycle passengers can vary from provider to provider. If you anticipate taking other riders out on the road, it’s a good idea to ask your insurance agent if your liability limits will include coverage for injuries to passengers.

How Much Coverage Do I Need?

The amount of motorcycle insurance you need will be based on a variety of factors. You should take into account your state’s requirements, the value of your bike, where you live, how often you ride, if you have any custom parts or accessories, and your financial situation. All of these elements will play a part in determining how much insurance you should buy.

How Can I Get the Best Rate Possible?

Many insurance companies offer their clients a range of discounts for different things. You may be eligible to receive a better rate if you complete a rider safety course, maintain a violation-free record, install an anti-theft alarm system, purchase more than one policy from the same provider, and cover multiple bikes. Your agent can tell you all the ways you’ll qualify to save.

The more you understand about motorcycle insurance, the easier it will be to choose the policy most suitable to your needs. An insurance agent will be able to help you carefully explore your options to avoid ending up with any gaps in your coverage. Contact Brent Layton with Farmers Insurance Group at (435) 257-3829, or visit his website to request a quote.