Let Garcia Insurance Services insure your bike. From touring to scooters, and cruisers to hi-performance rides, we can find the right policy for you. Just like automobile drivers, motorcycle drives run a significant risk when driving on the road. To ensure you have enough protection should there be an accident, it’s important to purchase the right type of motorcycle insurance that meets your needs.
Why type of insurance motorcycle insurance do I need?
Similar to auto insurance, liability insurance is needed for motorcycle drivers. Liability insurance provides financial coverage for any damages or injuries caused by a motorcycle accident. Keep in mind that costs from an accident can quickly move up into the hundreds of thousands, so a good liability insurance plan is highly recommended.
Motorcycle liability insurance comes in three forms of coverage:
1. Bodily liability for one person
2. Bodily liability for all people involved
3. Property liability
When you buy motorcycle insurance, you determine the limit. If you purchase a 15/30/15 plan, it means the insurance company will pay up to $15,000 in medical care for one person, $30,000 for all injuries, and $15,000 in property damage. If the costs of the crash exceed your limits, you will have to pay out of pocket.
Motorcycle insurance rates are affected by the following factors:
- Your credit score
- Your age and driving history
- Where you live and travel
- How often you ride
- The make and model of your motorcycle
- After-market additions