Motorcycle insurance is an essential component of remaining protected on the road. While it may seem like this coverage is performing the same functions as auto insurance, there are actually quite a few differences that policyholders should be aware of. Here’s a closer look at them.

Passengers Aren’t Automatically Covered

With car insurance, coverage beyond basic liability ensures that any passengers in your vehicle are also covered. However, you can opt not to purchase medical or uninsured motorist bodily injury insurance coverage which would mean your passengers would not be insured. This is not the case with motorcycle insurance, as you must purchase a separate policy to protect any passengers. It is possible, however, to purchase the same medical or uninsured motorist bodily injury insurance to ensure your passenger is covered. Be aware that if you’re at fault for an accident, passenger coverage would fail to offer protection. In this case, a medical payments policy, which applies to medical care for injuries regardless of fault, would be beneficial.

Motorcycle Coverage Is Costlier

On its own, motorcycle insurance can be very affordable.  Motorcycle insurance quickly becomes more expensive as you add on the additional medical coverages.  The amount of insurance required for a motorcycle is also dependent on the type of motorcycle. Insurance costs typically run higher for high-performance sportbikes. The type of motorcycle you buy can lower costs—so can your driving record, which is a good motivator to drive safely and obey traffic laws.

Winter Coverage Is Another Option

Most people don’t ride their motorcycles during winter. While you still want protection against things like theft and vandalism during the winter months, chances are you don’t need the full protection offered by a comprehensive policy. In this case, laid-up motorcycle insurance can protect you against those threats but also allow you to reduce your policy when you’re not riding your bike. Talk to your insurance agency today to find out more about this type of insurance.

Southern Insurance AL wants all motorcyclists in Foley, AL, to remain protected all year long. As an independent agency, they can leverage their strong relationships with multiple carriers and will work with you to design a policy that suits your specific needs without being too expensive. They also offer many other essential products to protect you, including auto insurance, renter’s policies, boat insurance, and even coverage suited to high-risk drivers. Speak with an agent about implementing a motorcycle insurance policy by calling (251) 943-3340. You can also visit the website to learn more about coverage.