Motorcycle Insurance

Motorcycle Insurance That Fits Your Needs

Enjoy the pleasures of riding a motorcycle and have peace of mind with the right insurance policy coverage. At Peninsula General Agency, we take pride in keeping motorcyclists up and driving on the road with the best policy that suits their needs.

Policy specifications and classifications

When insuring your motorcycle, it’s important to understand that underwriters often use bike classifications when designing your coverage. Some insurance companies do not recognize all classifications, which could potentially pose a problem for you. For example, if you have a vintage motorcycle as opposed to a cruiser style motorcycle, then you need the appropriate classification. If the insurance company does not classify your motorcycle as vintage, then your coverage limits will fall short if anything were to happen.

Bundling your policy

Most people who own a motorcycle also have another vehicle. You are required to carry separate motorcycle insurance because your auto insurance differs in a few ways. For one, auto insurance always includes coverage for passengers. Motorcycle policies may need additional coverage for passengers. Another difference is if an accident occurs with a motorcycle, there is usually more injury, so the medical coverage amount can be increased.

Although vehicle insurance won’t cover your motorcycle, motorists can bundle the policies, which saves a good deal of money.

What is covered with motorcycle insurance?

Standard motorcycle insurance includes normal liability coverage. In addition, other coverage you can get is:

• Uninsured/underinsured motorist
• Medical coverage
• Roadside assistance
• Rental vehicle
• Custom parts and accessories

Optional Insurance For Motorcycles

Some motorcyclists need additional coverage for accessories. The standard accessory coverage will provide up to $3,000 at no extra premium cost. However, if additional coverage is desired, you can purchase up to $30,000.

If you want accessory coverage, you must complete an itemized list of all the things that will be included in the insurance. Some of the accessories that motorcyclists get covered are:

• Helmets
• Riding Gear
• Transport trailers

Discounts on policies

Before making your final decision on what insurance company to go with, do your research. Discounts are available if you check. Insurance agencies may offer discounts for driving habits, lifestyle choices, and multiple vehicle policies. To get the best price for your motorcycle, it’s best to compare insurance policies. However, you need to make sure all the policies are exactly the same. It’s recommended that people check with about three different insurers before making a final decision.

Driving safely can help keep your rates down. It’s always best to get a few quotes before making your decision. Make sure the quotes are for the exact same coverage. Are you ready to speak with a Peninsula General Insurance specialist about a quote?  Please call (877) 539-2533.