Now that the weather is getting warmer, motorcyclists everywhere will be gearing up to ride. If you plan on joining them, it’s important to make sure you’re properly protected before hitting the open road. Whether your bike is used as a regular means of transportation or only taken out on the weekends, you need adequate motorcycle insurance to cover you and your investment. Here are a few tips to help you secure the right policy. 

How to Successfully Shop for Motorcycle Insurance

1. Learn Your State’s Requirements 

The first step in buying motorcycle insurance is learning what you are legally required to carry in your state. Under Tennessee law, riders must purchase liability limits that equal a minimum of $30,000 for bodily injury to one person, $60,000 for bodily injury to two people, and $15,000 for property damage.

2. Explore All Your Coverage Options 

Although your only legal obligation is to have liability coverage, this is typically not sufficient enough to cover an accident, as it will only pay for the other party’s injuries and damages. Thus, it’s in your best interest to explore additional options. Collision and comprehensive coverage will pay for repairs to your own bike and loss from theft. Uninsured/underinsured motorist insurance will protect you in the event you’re hit by a motorist who isn’t appropriately covered.

3. Ask About Ways to Save

Most providers will offer a number of ways to reduce your motorcycle insurance premium. Oftentimes, discounts are given for bundling multiple policies under the same insurer, completing a rider safety course, and joining a motorcycle club. Ask your agent what savings you qualify for because you may not be aware of all the discounts that are available.                       

Regardless of how safe a rider you may be, there’s no way to control the behavior of those driving around you. That’s why buying reliable motorcycle insurance should be a top priority. Fortunately, the professionals at Wilmoth Insurance Agency can help you navigate the shopping process with ease. They’ve served residents throughout Cookeville, TN, since 1939, so they know how to accurately assess each client’s unique coverage needs to find the most suitable policy. In addition to providing quality insurance solutions, they take the time to make sure all possible discounts have been applied. Call (931) 526-6181 to request a quote, or visit them online for more information on the services they offer.