Riding a motorcycle can be a freeing and thrilling experience. However, you must choose the right motorcycle insurance to protect yourself and others in the event of a crash. The guide below explains how you can find a policy that is best suited to your specific needs. 

How Can I Find Dependable Motorcycle Insurance?

1. Research the Minimum Coverage in Your State

All states have mandatory minimum requirements when it comes to motorcycle insurance. In Georgia, riders must have $25,000 to $50,000 per person or accident in third party bodily injury coverage and $25,000 for property damage. This applies to accidents where you’re considered to be at fault. 

2. Know What Type You Need

Along with basic general liability coverage, there are other types of insurance to choose from.

• Collision & Comprehensive: Collision coverage pays for repairs to your motorcycle when you’re not at fault. Comprehensive coverage offers funds for losses and damages not caused by another vehicle, such as theft, vandalism, or collision with an animal. 
• Medical Payments: In the event that you or your passengers incur injuries in a crash not caused by you, medical payments would cover these health costs. 
• Roadside Assistance: If you ever breakdown and need your bike towed, roadside assistance would pay for towing and repairs. 

If there is a period of the year when you plan on storing your motorcycle, you can keep your insurance while reducing your premiums until you begin riding again. 

3. Look for Discounts

You may be eligible for a discount if you have a decent driving record or if you’ve attended a motorcycle safety course. Discounts are also provided for buying more than one policy from the same company or paying off your total insurance term early. Even with affordable insurance, discounts can have a positive impact on costs. 

A knowledgeable insurance agent can help you choose the best policies when you’re shopping for motorcycle insurance. In Statesboro, GA, BestRate Auto Insurance offers affordable policies that are tailored to your specific needs. They also cover many other types of vehicles, including boats, cars, ATVs, and recreational vehicles. Visit the website for more information on motorcycle insurance or call (912) 489-5942 to schedule a consultation. When you call, be sure to ask about the numerous discounts offered by this insurance company.