Motorcycles are fun and exciting, offering a sense of freedom and exhilaration no car can truly match. However, they’re also more dangerous than other vehicles, which is why motorcycle insurance is such an important investment. If you’re planning on buying a bike, here are a few things you should know about getting the proper coverage.

A Motorcycle Insurance Primer for New Bikers

Know It’s Legally Required

Almost every state requires bikers to carry at least a minimum amount of liability protection to cover damage you might cause in an accident. In Alabama, anyone who operates a motor vehicle needs to have at least $25,000 in personal injury coverage per person, $50,000 per accident, and $25,000 in property damage coverage.

Determine Your Coverage Needs

Because the costs of an accident can quickly exceed the state minimums, most agents recommend carrying liability equal to the value of your other assets. Consider purchasing comprehensive coverage equal to the value of the bike to ensure you’re compensated if your motorcycle is stolen, vandalized, or damaged in a weather event. Collision coverage will pay to repair your motorcycle if you cause an accident or lose control of the bike on a wet road.

Reduce Your Premium Amounts

While motorcycle insurance is a necessary expense, there are ways to lower your expenses. Many carriers offer discounts for riders who take approved safety courses, and you may be able to save by bundling your motorcycle and auto policies. Finally, reduce the risk of filing a claim by keeping your bike in a garage and installing anti-theft devices.

For nearly 20 years, bikers throughout the Dothan, AL, area have relied on Aaron Insurance Agency to find the coverage they need at the best possible price. Their agents pride themselves on working with many of the country’s leading carriers to find policies perfectly tailored to your needs. Visit their website now or call (334) 712-0777 to request your free motorcycle insurance quote.