Most people dream about having a motorcycle from the time they’re young. Riding one for the first time gives you a zestful sprig of youth, and buying that first bike makes you smile like you were a kid again. But, motorcycles need coverage, just like cars. As in most states, Ohio makes motorcycle insurance mandatory for all riders. Knowing what’s specifically covered will help ensure your safety on the road. 

What Does the Insurance Cover? 

Even experienced bikers invest in liability coverage, which helps them cover the cost of bodily injuries and property damage in accidents for which they are at fault. If the injured parties decide to file a lawsuit, the insurance will cover the legal fees up to the policy’s limit. If bikers extend their liability coverage, their passengers or other riders may also be covered in case an injury or damage to the motorcycle occurs. 

Comprehensive coverage is also beneficial for motorcyclists. With this policy, bikers will be covered for non-collision incidents that aren’t their fault, such as vandalism, fire, and weather damage. Many motorcycle drivers select this plan, as it also covers the bike if it’s stolen. In some cases, motorcycle accessories, rather than the bike itself, will be stolen. Comprehensive insurance will cover the replacement of stolen helmets, mirrors, and the radio. 

How Can Motorcycle Insurance Be Customized? 

Some policies will include the full replacement of the motorcycle if it’s totaled. An injury policy can also be added, covering the rider’s hospitalization and related medical care. 

Over time, motorcycle drivers add items like extra safety apparel, custom exhaust equipment, sidecars for increased passenger safety, and transport trailers. Motorcycle insurance providers have policies that will cover these items if they’re damaged or lost. 

Some automobile drivers may cause an accident that isn’t the motorcyclist’s fault. They may sustain injuries to themselves and damage to their bike. Sometimes, those drivers are either underinsured or uninsured. By applying an insurance add-on, you’ll be protected even if the at-fault party isn’t. 

How Can Riders Keep Their Motorcycle Insurance Rates Low? 

Like auto insurance, bikers have ways to lower their insurance rates. Many choose to purchase an older motorcycle. Since older machines have a decreased value, they’re less likely to be stolen. 

Owners who take a motorcycle safety course can see an immediate discount, as well as those who have clean driving records with minimal claims filed. 

Depending on the plan, motorcyclists can save money by riding fewer miles a year and by joining some motorcycle clubs or associations. 

Whether you’re on your first bike or your latest, having motorcycle insurance will help you enjoy the road even more by knowing you’re protected. For nearly 50 years, the Ohio Insurance Center Agency has helped drivers find the coverage they need at a price they can afford. Even Cincinnati, OH, residents who are considered high-risk and have had trouble finding insurance before will find what they need through their devoted agents. For more information on their coverage areas, visit their website. To schedule an appointment, call (513) 522-6300.