Motorcycles are some of the most envied vehicles on the road. They seem to glide through traffic effortlessly, leaving other drivers in their dust, with a gleaming steel exterior and exhaust system that causes heads to turn. According to the Bureau of Transportation Statistics, there were more than 8 million riders on the road in 2010, and the number of bike enthusiasts continues to climb.
Smart riders understand the benefit of obtaining proper motorcycle insurance. They know that in an unpredictable world, it’s impossible to avoid collisions. Even a minor scrape can translate to costly repairs, and it’s also a headache to replace stolen after-market accessories.
If you purchased a motorcycle and spend money on maintaining it, a cost-effective insurance policy will help protect your investment. A motorcycle insurance plan can:
-- Provide coverage in the event that you injure another driver or cause damage to his or her property.
-- Provide coverage if you are harmed in an accident with an uninsured motorist.
-- Protect against theft and vandalism. Most insurance carriers also provide coverage for stolen after-market accessories. Check with your agent to determine coverage amounts.
-- Offer roadside assistance if your bike breaks down. Don’t get stranded on the side of the road!
-- Reward you with discounts. Many insurance carriers offer discounts if you insure multiple bikes, have been riding responsibly (no tickets or accidents) for a number of years or take a safety course. Inquire about cost-saving plans with your agent.
-- Provide medical payments insurance or personal injury protection in case you need to visit your doctor or become hospitalized as a result of an accident. This coverage can come in handy if you don’t have health insurance.
When you hop on your motorbike and cruise down the highway in a blaze of glory, the last thing you want to worry about is eating the asphalt. A dent on your bike can mean a dent in your wallet. Call an agent today to purchase a policy that’s right for you.
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