Anyone who’s ever been on a motorcycle knows the unique sense of freedom and adventure that comes with it. But before you can hit the open road, you must ensure you have a few key things in place, including protective gear and motorcycle insurance. Here are five things you need to know about motorcycle insurance.
1. There Are Different Types of Coverage
One of the most important things about motorcycle insurance is that different types of coverage are available. Each type of coverage is designed to protect you in different ways. For example, liability insurance covers damage you may cause to someone else or their property. In contrast, collision insurance covers damage to your motorcycle resulting from a collision with another vehicle or object.
2. You Might Need More Than the Minimum Coverage
While the minimum coverage required by law in most states will vary, it’s important to note that this is usually the bare minimum and may not provide adequate protection in the event of an accident. In some cases, you may need to purchase additional coverage to protect yourself fully.
3. Motorcycle Insurance Rates Can Vary
Regarding motorcycle insurance, rates can vary significantly from one company to the next. It’s important to shop around and compare rates before deciding which company to purchase a policy from.
4. You Can Bundle It with Other Types of Insurance
If you own other types of vehicles, such as a car, you may be able to bundle your motorcycle insurance with your other policies for a discount. This is something to consider if you’re looking to save money on your overall insurance costs.
5. Never Ignore the Fine Print
As with any insurance policy, it’s important to read the fine print carefully before signing on the dotted line. This will help you better understand what is and isn’t covered by your policy.
Get Motorcycle Insurance in Niles, OH
Keep these five things in mind when shopping for motorcycle insurance, and you’ll be well on your way to being adequately protected on the open road. Ruddy Insurance Group can help you find the right policy for your needs. Give us a call today to get started.