Motorcycle Insurance
Those who have motorcycles, scooters, and other motorized bikes can benefit from proper insurance coverage. By combining collision coverage, medical bill compensation, and repairs to your bike, you will have peace of mind and avoid financial ruin. Even if you are a seasoned biker, you should purchase adequate coverage to avoid liability. Coverage will help protect you, your bike, and others on the road. Riders should do extensive research on motorcycle insurance, factors that affect price, and what policies are available in order to find the most affordable option.
What Is Covered When You Purchase Motorcycle Insurance?
Like most insurance types, motorcycle insurance will help cover medical expenses if you are in an accident, repairs to the bikes or scooters, and costs of repairs if another motorist is uninsured. Before you purchase motorcycle insurance, look into what your state requires and additional options that can protect the custom elements of your bike. The minimum requirements will not cover your motorcycle in all instances, so individuals will need to look into additional policies when they have a custom bike or larger specialty bike.
Is Motorcycle Insurance Required In Idaho?
One of the biggest reasons to have insurance is legal compliance. While not every state will require you to have motorcycle insurance, it can help you if you ever cause an accident or are driving in a different state. In the state of Idaho, motorcycle insurance is required to help protect accident victims from expensive medical bills.
In the state of Idaho, motorcyclists must have:
- $25,000 for bodily injury liability or death of one person in an accident
- $50,000 for bodily injury or death of two persons in an accident
- $15,000 for property damage liability
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What Bikes Are Covered?
Do you have a small bike or ATV that needs insurance? Here are the options that can be protected by motorcycle insurance.
- Cruisers
- Touring bikes
- Trikes
- Scooters and mopeds
- Dirt bikes
- ATVs
- UTVs
- Snowmobiles
- Custom bikes
- Sport bikes
Discounts And Savings On Motorcycle Insurance
Bundling your policies together can help make the coverage more affordable for motorcyclists. Some options you can bundle with motorcycle insurance include homeowner insurance, multi-vehicle insurance, auto insurance, etc. Combining things together shows that you can make on-time payments and prove to insurance companies that you are not at high risk. Those with multiple motorcycles or recreational bikes can be bundled together to save you money.
Some insurance companies may offer you discounts if you are a part of a rider group, Harley Owners Group, or a loyalty member. Those who are passionate riders or are part of a large group can have specific needs that qualify them for discounts.
There may also be discounts for those who have a clean driving record, take additional safety courses for motorcycles, and individuals without previous insurance claims. Some insurance companies work with the Motorcycle Safety Foundation to provide a safety course for cyclists. If you pass this course, you may qualify for a lower premium and other monthly savings.
Ways To Ensure You Get The Most Affordable Insurance
Here are some additional ways to make sure you get a policy that works best for you.
- Know your make, model, and year to help negotiate prices on older bikes
- Understand the state minimum requirements
- Pay a higher deductible to help reduce your premium
- Look into third-party discounts or join a motorcycle group.
- Review coverage each year to customize your policy as things change
- Choose only coverage options that you truly need
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https://www.nationwide.com/personal/insurance/motorcycle/state/utah
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