Riding down the freeway with nothing between you and the open road but your roaring motorcycle is exhilarating. The speed, the wind, the leather—it all culminates into one liberating moment of transcendence. But even the most fearless of riders are aware how dangerous riding a motorcycle is. Having the right motorcycle insurance not only protects you in an accident, but it gets you back out on your hog in little time.
When you compare motorcycle insurance quotes with CoverHound, you’ll find the insurance that takes care of you and your bike.
Would you buy the first motorcycle you saw in the showroom, or would you look around to find the bike that fits your riding style? No experienced rider would drop a payment on a bike they hadn’t taken for a test drive, so you shouldn’t buy your motorcycle insurance that way either. At CoverHound, we help you compare and buy motorcycle insurance quotes from leading insurance agencies.
But be informed. There is no set rate when it comes to motorcycle insurance. Like auto insurance rates, your motorcycle insurance rate is based on a set of factors including your age, gender, driving record, and style of motorcycle. Not only this, but consider how often you ride your motorcycle and where you ride it. Are you a weekend motorcyclist cruising along rural roads, or are you riding your bike to work on the highway every day in rain, sleet, or shine? Each one of these will be calculated by the insurance agency handling your account. This can result in both great savings and great coverage, but before signing your name to any insurance plan, research your city and state’s insurance carrier requirements, as this can affect the motorcycle insurance policy you plan to purchase.
Be Your Biggest Advocate
When you compare motorcycle insurance quotes against the statistical data of motorcycle accidents, it’s clear why practicing motorcycle safety and carrying a reliable motorcycle insurance plan is the smart choice. According to the Insurance Information Institute, (III) in 2013 alone motorcyclists were five times more likely to get hurt in a collision that passenger cars.
Not only this, but during economic downturns, more people are choosing to ride motorcycles than to drive cars. The III also found that, in 2013, there were 8.4 million commercial and private motorcycles zipping along US highways. What does this mean for you and other motorists? Spikes in insurance premiums. With more people on the road, more accidents happen.
Like auto insurance, motorcycle insurance requirements vary by state, and in some cases this means you can save a lot of money on your plan regardless of which insurer you decide to go with. But remain cautious: cheap insurance plans usually mean inadequate coverage, and if you’re the reason another motorist crashed into a guardrail and you can’t cover the damages sustained to their vehicle or person, be prepared for a lawsuit. Though every state requires some form of auto insurance coverage, not all drivers recognize the need to carry an insurance plan that covers any cosmetic and medical costs for them if the motorist at fault doesn’t have the insurance plan to cover the damages.
At CoverHound, we help you compare motorcycle insurance quotes to find the best policy that fits your riding needs. Compare and purchase great quotes using our full service platform today!