How Much Does Motorcycle Insurance Cost? <\/h2>\n\n\n\n
It can be as low as $7 per month for the minimum state-required liability<\/a> only and as high as $100 per month or more for full coverage<\/a>, including comprehensive motorcycle insurance<\/a>, motorcycle collision insurance<\/a>, and uninsured motorist coverage<\/a>. It mainly depends on how much coverage you want to buy. <\/p>\n\n\n\n Your insurance cost will depend on many factors, most importantly your driving history, your age and the type of bike you own. Because motorcycles don\u2019t tend to cause the same amount of property damage as cars, the insurance premium should reflect a lower cost \u2013 at least for that part of the liability. On the other hand, riders without helmets who get into a wreck tend to rack up the hospital and disability costs, which affects everyone\u2019s rates collectively. <\/p>\n\n\n\n People who live in states with shorter riding seasons pay less than those who live in places where riding a motorcycle<\/a> is a year-round event.\u00a0<\/p>\n\n\n\n Driving defensively<\/a> and having a clean driving record is going to play a large factor in finding lower motorcycle insurance rates. There are also discounts available, just as there are for cars. Some discounts include:\u00a0<\/p>\n\n\n\n In most circumstances, yes. Although motorcyclists still have to purchase the state-required minimum liability, the overall coverage is less. Motorcycles generally cost less to repair, but if you buy a really expensive, loaded bike, your insurance will reflect that. <\/p>\n\n\n\n As with car insurance, if you are a young and inexperienced rider, you are still going to being paying a premium rate for your premium \u2013 motorcycle or car! <\/p>\n\n\n\n Every state that requires car insurance requires the same level of insurance for motorcycles. As with varying laws for cars and trucks, motorcycles carry specific laws related to helmet wearing<\/a>, eye protection, age of passengers, headlight usage, noise, and even lane splitting (driving between cars, only specifically legal in California). <\/p>\n\n\n\n Your motorcycle liability insurance<\/a> will look just like car insurance \u2013 a series of numbers separated by slashes, for example, 25\/50\/25. In this example, the state requires coverage amounts of $25,000 per person per accident\/$50,000 for two or more people in one accident\/$25,000 in property damage. <\/p>\n\n\n\n A full-coverage motorcycle insurance policy includes several coverage options<\/a> worth investigating. Here are some of coverages you can consider when insuring your bike. Remember, if you are financing your ride, you\u2019ll most likely be required by your lender to have full coverage.\u00a0<\/p>\n\n\n\n This covers damages to your own motorcycle resulting from an accident with a vehicle, up to the amount of your policy after you\u2019ve paid your deductible. While it costs more than liability coverage, it\u2019s not much more expensive, and you\u2019ll find it to be well worth the additional cost if your motorcycle ever sustains hundreds or even thousands of dollars in damages from an accident. <\/p>\n\n\n\n It\u2019s not just road collisions that you have to be concerned about. Catastrophic damage from floods, high winds, and fire can quickly put your ride out of commission. Theft or vandalism can also cause significant damage. Your motorcycle gets protection from all of that and more when you carry a policy with comprehensive coverage. <\/p>\n\n\n\n Imagine finding yourself stranded on the side of a road with a crippled bike. Or an empty gas tank. Or a flat tire. Whatever the reason, you\u2019ll only need to place a call for 24\/7 roadside assistance if you choose this optional insurance. <\/p>\n\n\n\n What happens if the other driver is at fault but has no insurance or doesn\u2019t have enough insurance to cover the total damages to your bike? That\u2019s where this add-on policy coverage kicks in. You\u2019re covered even if the driver at fault isn\u2019t. <\/p>\n\n\n\n Other factors beyond coverage levels and types of coverage also determine what you\u2019ll pay for the best motorcycle insurance for you. Your trusted independent insurance agent at Freeway Insurance will find out more about your coverage needs and go shopping for the most affordable coverage from multiple carriers. <\/p>\n\n\n\n Call Freeway Insurance at (800) 777-5620<\/a>. You\u2019re also encouraged to meet with an agent at a Freeway Insurance office near you<\/a> or get a fast and free quote for motorcycle insurance online<\/a>. <\/p>\n\n\n How Can I Lower My Motorcycle Insurance? <\/h2>\n\n\n\n
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<\/figure><\/div>\n\n\nIs Motorcycle Insurance Less Expensive Than Car Insurance? <\/h2>\n\n\n\n
Is Motorcycle Insurance Required Everywhere in the United States? <\/h2>\n\n\n\n
What Other Factors Make Up the Best Motorcycle Insurance? <\/h2>\n\n\n\n
Collision Coverage <\/h3>\n\n\n\n
Comprehensive Coverage <\/h3>\n\n\n\n
Roadside Assistance <\/h3>\n\n\n\n
Uninsured\/Underinsured Motorist Coverage <\/h3>\n\n\n\n
Contact Freeway Insurance to Learn More about Your Motorcycle Insurance Options <\/h2>\n\n\n\n