Unique Qualities Of Motorcycle Insurance

Motorcycle insurance differs from automobile insurance in that it requires a limited tort for a motorcycle and a full tort for an automobile. Full tort is more costly but provides protection for personal injury and pain and suffering claims. Coverage can include mopeds, dirt bikes, motocross bikes and scooters. There are factors that are considered when getting rates from insurance companies that include age, driving record, experience and location.

As with car insurance, age of the driver will affect the cost. The highest rates are for females that are under 21 and males under 25. These amounts can differ from state to state. This high risk zone may cause one to wait a few years before getting a motorcycle otherwise the rates will be high.

Driving record is taken into consider when cost is factored. If one has had recent tickets or accidents where claims were filed it will probably affect the rate. Experience riding a motorcycle is also taken into consideration. After the purchase of ones first bike, chances are it will cost more for coverage. Compare rates between different insurers, there can be a considerable difference in cost. Shopping around can save a lot of money.

Where one resides can be the biggest factor insurers take into consideration. People who live in the country have lower premiums that those who live in big cities. The more traffic there is, the higher the accident rate. This will affect the cost of premiums. Certain states and counties can have higher rates than others, do not lie on the application by claiming to live in another area to get a lower rate. This is fraud and not taken lightly, in fact it can include jail time.

Different styles of bikes will have different rates associated with them. Most states include bodily injury liability, collision coverage, accessories coverage and comprehensive physical damage coverage. One might also consider getting motorbike insurance with property damage liability, no-fault or personal injury protection coverage and coverage for medical payments.

Collision insurance is comprehensive coverage will include damage when a vehicle hits a cyclist or visa versa. It can include the replacement of CB radios, chrome pieces, seats, backrests, saddlebags and helmets. Keep receipts of all of these purchases for replacement value.

Bodily injury coverage will ensure damages for an injury or death while one is operating the bike. It also will provide legal defense if a suit is filed. Medical payments, no-fault or personal injury protection allow one to select medical coverage that will protect passengers as well as the driver. Property damage to someone else’s property is covered as well as legal defense costs.

For a minimal amount, one can also get roadside assistance. This will cover towing and labor to repair a flat tire, an electrical breakdown, a dead battery or being stuck in the snow. The best thing to do is to find the lowest rate by comparing companies online. Internet websites will allow one to get a quote immediately and compare coverage options between many companies. It is the best way to save money on motorcycle insurance.