Congratulations! You’ve bought your first motorcycle and joined the family of two motorized wheels. You have joined a nationwide community of people who, at least in warm-weather months, ride astride heavy metal thunder. You might have serious questions about your motorcycle, its insurance, and how it’s different from a car. Your Boston, MA insurance partners at Smoller Insurance Agency are here to help with your questions.
Motorcycle insurance is more expensive than car insurance
You’ve undoubtedly already noticed that your motorcycle premiums are more expensive than the equivalent auto premiums and probably also wondered why that is. A motorcycle, of course, is less expensive than a car. Unfortunately, motorcycle insurance is a much bigger risk than auto insurance, so motorcycle coverage is more expensive even though the vehicle it’s covering is less expensive. Fortunately, your coverage will get less expensive as you prove you’re a good driver on your motorcycle.
Personal Injury Policies
Car interiors are designed around keeping drivers and passengers safe from harm. Motorcycles are not. If you’re in a motorcycle accident at any real speed, there is a real chance that you’re going over your handlebars. Because of this, personal injury protection coverage, very seldom purchased as a rider on auto insurance, is almost obligatory for motorcyclists.
Laid Up Insurance
It’s no secret that Northeastern winters are harsh. Because of this, many Northeast motorcyclists put their bikes in storage over the long winter, leaving them in storage until the spring comes and they can get out again. Laid-up coverage reduces your insurance costs, but you won’t be covered if you take it out during this time.
Contact Us Today
There are additional coverage add-ons to consider with your new bike Consult your professionals at Smoller Insurance Agency serving Boston, MA for answers to these questions on your motorcycle insurance.