As consumers in a capitalist system, we naturally have brand preferences. The expression “you get what you pay for” has rung true with everyone at one time or another. Brand loyalty is something we learned as early as childhood. Given the choice between a Crayola or Roseart crayon—Crayola won hands down. Every. Single. Time. It’s no different as we’ve matured into adults.
We like what we like, this influences where we live and what we drive. And to protect our investments, we get insurance. To get the best motorcycle insurance rates, get your motorcycle insurance comparison with CoverHound.
Why Motorists Love Motorcycles In 2014, more than 484,000 motorcycles were sold in the U.S., with the majority of motorcycle riders found in California. What’s the difference between driving a car or driving a motorcycle? Isn’t transportation all about getting from point A to point B? Let’s let Robert M. Pirsig’s passage from his book “Zen and the Art of Motorcycle Maintenance” explain:
“In a car you’re always in a compartment, and because you’re used to it you don’t realize that through that car window everything you see is just more TV. You’re a passive observer and it is all moving by you boringly in a frame. On a cycle the frame is gone. You’re completely in contact with it all. You’re in the scene, not just watching it anymore, and the sense of presence is overwhelming.”
On a motorcycle you are part of something larger than yourself. On a motorcycle you feel the heat of the pavement and the chill in the wind. You are one with the machine.
Thieves Love Motorcycles Too According to the Insurance Information Institute (III) a total of 42,856 motorcycle were stolen in 2014. The top five states most hit by motorcycle thefts as found by the National Insurance Crime Bureau (NICB) were:
- California: 6,355
- Florida: 3,981
- Texas: 3,274
- South Carolina: 2,146
- North Carolina: 2,117
Unlike motorcycle owners, thieves don’t care about the look or feel of the bike, what they care about is the price the bike will fetch them at auction or at the strip yard. The top five most stolen motorcycle brands in 2014 were:
- American Honda Motor Co. Inc.: 8,045
- Yamaha Motor Corporation: 6,728
- American Suzuki Motor: 5,987
- Kawasaki Motors Corp., USA: 4,497
- Harley-Davidson Inc.: 4,146
As confirmed by the stolen brands above, thieves target sports bikes. Sports bikes are easier to steal and take less time to “chop up” in the garage. Though the NCIB found there was a 41 percent recovery rate for motorcycle thefts, that still left 51 percent of riders without their bikes.
Protect Your Investment: Get Insured Fortunately for us, there are motorcycle insurance plans that protect us from being blindsided. Like car insurance for auto drivers, most states in the U.S. require motorists to carry motorcycle insurance. Coverage types include:
- Property Damage Liability
- Bodily Injury Liability
- Personal Injury Protection (PIP)
- Medical Payment Plan
- Uninsured/Underinsured Motorist
- Accessory Coverage
- Motorcycle Roadside Assistance
Keep in mind as you shop around for motorcycle insurance that your state only requires you to carry the minimum insurance threshold. According to the Department of Motor Vehicles (DMV), California only requires their motorists to carry liability insurance coverage. This type of coverage does not protect you when your bike is stolen, vandalized or damaged. As the number one state in motorcycle theft, California’s insurance laws are not representative of what is happening on the road. So before you invest in an insurance plan, make sure it’s a plan that will cover you in all situations.
Here at CoverHound, we help you find the quotes you’re looking for. Give us a call today or use motorcycle insurance comparison tool to get the policy that aligns with your needs.