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Why You Should Buy Motorcycle Insurance Before Your Next Roadtrip

A middle-age Caucasian man riding his chopper motorcycle down a lonely road thanks to the appropriate motorcycle insurance.

Summer approaches. The open road beckons. For years you’ve been scouring online motorcycle listings and fantasizing about a cross-country roadtrip. Now, with a little bit of extra money and motivation, you’ve located the perfect bike. You’re going to pull the trigger and buy it this week. All you need to do is figure out where you’re going to travel—and what the motorcycle insurance cost will be.

For new motorcyclists, finding cheap motorcycle insurance quotes can be a challenge, but it’s not impossible. To help guide you, we’ve explained why you should consider motorcycle insurance, how you can save money on rates, and what you need to know about motorcycle insurance coverage. Read on to learn more.

Why You Should Consider Motorcycle Insurance

You can’t legally operate a motorcycle without some form of motorcycle insurance. Aside from this basic legal tenet, motorcycle insurance protects you financially in the case of an accident. It provides money for medical bills and for motorcycle repairs.

Without this coverage, you risk losing thousands of dollars in a motorcycle accident. You also put other drivers on the road at financial risk because you may not be able to pay someone else’s repair costs and medical bills after a collision.

How You Can Save Money on Your Motorcycle Insurance

To new motorcyclists, motorcycle insurance can seem like a major monthly expense. Premiums are higher for novice riders.

However, you can save on your premium by taking motorcycle safety classes from organizations like the Motorcycle Safety Foundation. You also can save money by joining a motorcycle club. These organizations can help you find often overlooked discounts on motorcycle insurance.

Most insurance companies will give you a substantial discount if you bundle your motorcycle insurance with other kinds of insurance. For example, you may be able to find cheaper motorcycle insurance from your auto insurance provider.

What You Should Know About Motorcycle Insurance Coverage

Most motorcycle insurance policies offer the same protections as basic auto insurance policies do: comprehensive, collision, underinsured, and uninsured motorist coverage. They also provide roadside assistance, property damage liability, and bodily injury coverage.

Many states require additional medical payments insurance for motorcycle riders. This form of coverage pays for your medical expenses in the event of an accident, including home health care, insurance deductibles, mental health care, dental care, prescription medication, your copays, and even funeral costs.

Some states ask that motorcyclists get personal injury protection, which protects you financially, even if you’re found to be at-fault for a motorcycle accident. It does not, however, cover any other people involved, your motorcycle, or any other vehicles. Your comprehensive and collision insurance should cover those items.

How to Find Cheap Motorcycle Insurance Quotes

Freeway Insurance offers cost-effective motorcycle insurance to new and experienced riders. Our plans cover everything from vintage bikes to custom choppers to touring bikes to scooters. If you’re making the transition from four-wheel driving to two-wheel riding, contact our customer service team today at 800-777-5620 or request a free motorcycle insurance quote online. We’ll help you find the appropriate coverage for your next motorcycle adventure.

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