Whether you’re giving up your usual mode of driving to become a motorcycle rider or just want additional transportation for leisure rides, staying protected is critical. Motorcycle insurance provides you peace of mind on the road. Here are answers to some frequently asked questions about this kind of coverage. 

1. What does motorcycle insurance cover?

Most policies will typically pay for damage to your motorcycle if it’s involved in an accident. Coverage also extends to medical expenses if you’re injured. In most states, riders are required to have at least the minimum coverage of liability insurance, which is property damage and medical expenses for others involved in an accident that you caused.

2. Are passengers covered?

Your motorcycle insurance plan will typically cover those who ride along with you. However, the liability insurance described above may not extend to passengers. You might need to secure comprehensive collision coverage to provide additional protection to passengers. 

3. Do I still have to pay for coverage when my bike is in seasonal storage?

If you store your motorcycle in a storage unit or garage during the winter months, you might be able to suspend payments for that time period. However, it’s a good idea to keep your insurance policy intact year-round in case you ever need to use your bike, even when the weather is cold. 

4. How can I save money on my premiums?

Enrolling in and passing a safety motorcycle course could make you eligible for a discount on your premiums. If you have an existing auto or home insurance policy with the same carrier, there may be additional money-saving discounts for bundling your policies. Be sure to ask your agent about all the discounts you are eligible for. 

Since 1975, Blum & Leonard Insurance and Real Estate in Estherville, IA has been the area’s trusted source for protection for vehicles. If you own or have been thinking about buying a motorcycle, let their experienced team help you secure customized coverage. As an independent agency, they are able to shop on your behalf from a host of insurance carriers for affordable policies. To get started with a rate quote, call (712) 362-7272 or visit the website.