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Motorcycle insurance is a must for all riders. But with so many policies to choose from, which one is the right one for you? Here are tips to help you choose the right policy.
1. Get to Know Your State Requirements
All states have minimum requirements for motorcycle insurance, but you should know what they are so that you can make sure your policy meets them. If it doesn’t, you could be found uninsured if pulled over or involved in an accident with another vehicle. In MN, the state requires at least bodily injury liability up to $30,000/$60,000 and property damage liability of at least $10,000. Liability covers another person’s medical expenses if you are deemed responsible for an accident.
2. Understand the Coverage Type
There are many different types of coverage, and it’s important to understand the differences. Bodily injury liability covers another person’s medical expenses if you are deemed responsible for an accident. Personal injury protection (PIP) will pay for your own injuries or that of your passengers regardless of who is at fault. Property damage pays for repairs to another vehicle in an accident you caused. Collision pays for repairs to your own bike after a collision, and Comprehensive covers the cost of stolen or damaged parts on your motorcycle not involved in an accident.
3. Look at the Deductibles
Deductibles are the amount you pay before insurance kicks in. The higher your deductible, the lower your cost, but if you choose a high deductible and an accident occurs, it could be quite costly out of pocket. You may also want to consider who your motorcycle policy covers as well as your policy.
There are plenty of options when it comes to motorcycle insurance. Make sure you understand your state requirements and choose a policy that fits your needs and budget. Looking for motorcycle insurance in Saint Paul, MN? Rising Star Insurance is here to help. Call us today for a free quote.