Nothing beats the feeling of riding down the open road on your motorcycle. Whether you use your motorcycle as a daily commuter or take it out on the weekend, you’ll want to protect your investment with a motorcycle insurance policy. If you’ve never purchased a policy, you likely have a few questions about how these policies work. The team at Grachek Insurance serving the Flathead Valley, MT, area answers a few of the most frequently asked questions about insurance for your motorcycle.

4 Most-Asked Questions About Motorcycle Insurance

1.Do I Need a Policy if I Only Take the Bike Out Occasionally?

If you plan on taking your motorcycle out on the road, even for short pleasure rides, you’ll need to have a valid insurance policy for the bike. Believe it or not, insurance is required by law in every state, even if you only use your bike occasionally. Before you take your bike out for the first time, make sure you’ve purchased an insurance policy.

2. Will My Policy Cover Passengers?

Most motorcyclists travel solo and, as a result, most standard insurance policies only protect the driver. However, you can upgrade to comprehensive coverage to protect side cars, passengers, and towable trailers. Just speak with your insurance agent to see what base coverage is provided in your current policy and how additional protection may impact your premiums.

3. I’ve Had the Same Policy for Years. Do I Need to Upgrade?

While you may not need an upgrade, it’s a good idea to speak with your insurance agent every year to see if you’re eligible for new discounts or a lower premium rate. During this time, you’ll also be able to discuss any additional coverage.

4. Will My Policy Cover My Bike Off-Road?

Most motorcycle insurance only protects your bike when it’s on designated roads. If you plan on riding off-road or racing on a track, you may need to upgrade your policy. Before you first take your bike out, speak with your insurance provider to determine what coverage you need.

Whether you’re looking for auto insurance or want to upgrade your motorcycle insurance policy after several years, contact the agents at Grachek Insurance. Their dedicated staff will help you find the perfect coverage for your needs based on your riding habits. Learn more about their coverage areas online and call (406) 755-4000 to request a free quote.