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Riding is one of the greatest joys in life. Motorcycle riding is a combination of excitement, fear, relaxation and pleasure. However, for a safe experience, you must be equipped with the proper safety gear. And just as important, you must have insurance to protect yourself, your passengers and your motorcycle. Choosing a motorcycle insurance policy is easy if you keep the following in mind:
Most states have fixed minimum coverage which is mandatory for riders to own. However, we advise you to take insurance coverage more than the minimum requirement in your state. Buying insurance coverage that exceeds the minimum state requirement protects your assets in case you are sued over an accident.
Coverage options for motorcycle insurance are similar to auto insurance. In addition to liability and uninsured/underinsured motorist coverage, most insurers offer these options:
When winter arrives, many bikers keep their bikes in garages until the spring. The lay-up period covers you against theft and other events that can happen while your bike is in storage. However, in the case of an accident occurring during this period, the expenses will not be paid by the insurance company.
Who doesn’t love discounts? You can get various offers on your motorcycle insurance policy if:
Before selecting a motorcycle insurance policy, ask the insurance company how the policy will pay out in case your bike is destroyed or stolen. There are three basic types of settlements:
Contact Mauceri-Bynum Insurance to learn more about what type of motorcycle insurance policy may be right for you. Our team in McKinney, TX, will explain the different policy options and help you find the right insurance coverage for you or your family. For a free quote today, give us a call at 214-733-8400.