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Do I Need Motorcycle Insurance if I Have Auto Insurance?

Hispanic male riding motorcycle on residential street with houses in the background to illustrate whether you need motorcycle insurance in albany if you have auto insurance

Motorcycle insurance is a necessary requirement even if the rider already has auto insurance. However, there are cheap motorcycle insurance rates on the market that can fit within your budget. Finding the right policy takes diligence and research, but it does not have to be a frustrating process.

Motorcycle Insurance Basics
Motorcycle insurance cost is generally lower than auto insurance, but the type of rate you’ll get depends on the type of bike. For example, sports bikes may have a different rate than a standard motorcycle. Additionally, rates depend on your driving record and credit history. Drivers with a bad credit history or driving record may pay a higher rate, which is why it is crucial to search for the best quotes on the market. Moreover, experience is another factor that insurance companies consider, and novice motorcyclists could end up paying more than other policyholders. The primary thing to consider is finding the best deal for you, regardless of your credit history or driving record.

What Will I Need?
Motorcycle insurance works in the same manner as auto insurance. Here are some of the core tenets of motorcycle coverage:

•    Bodily Injury Coverage
•    Property Damage
•    Accidental Death Coverage

The type of coverage you’ll need depends on your needs, but standard liability insurance is required under New York State law. For instance, the law requires $25,000 per person for injuries, $50,000 for the death of one person and $10,000 for property damage. With that, certain other components of a motorcycle policy may be necessary in your case. For instance, collision coverage may not be necessary if you think that the value of your bike is not worth protecting. Despite such requirements, motorcycle insurance cost does not have to be expensive, nor does it have to drain your wallet, even for top tier plans.

How Can I Find the Right Motorcycle Insurance Coverage?
You can get help finding the best motorcycle insurance rates on the market by contacting Freeway Insurance at 800-777-5620. A helpful representative will be happy to assist you in finding the best motorcycle insurance policy for you–one that fits your needs and is tailored to your budget.

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