With the spring here, bike owners are getting ready to hit the road! Tune-ups are being done, bikes are being shined up, and we are getting excited! We love bikes and bikers and wanted to take this opportunity to tell you everything you need to know about motorcycle insurance.
You need it.
This sounds pretty basic, but you need insurance on your bike. If you believe strongly in preventative maintenance, consider insurance part of that package. Sure, you might be thinking “I need insurance to register my bike”, there are those who don’t consider that.
Minimum Liability Insurance is Inexpensive.
Compared to auto insurance, minimum liability insurance on your bike can be fairly inexpensive if you have a good driving record, and if you’re bundling your insurance services. Paying a little for peace of mind is a good deal.
Minimum Liability Insurance is Not Enough.
No, we aren’t trying to fool you. Minimum liability insurance is exactly enough to get your bike on the road legally. Remember this: liability insurance covers the OTHER person when you have an accident. Bulking up your insurance might cost more but will cover you for more, giving you even more peace of mind.
Comprehensive and Collision Insurance.
While not as inexpensive as minimum liability insurance, comprehensive and collision insurance give you better protection in the event of an accident. Think of collision insurance as liability, but for both parties. If you get into an accident, collision insurance pays for repairs on both vehicles. Comprehensive insurance is the coverage that takes care of things that aren’t accidents; like fire, or theft.
Insure Your Self.
While the first four points cover your bike, remember that if you are in an accident, there is a strong possibility of bodily harm. If something happens that you need time away from work to recover, disability insurance is a great companion to your bike insurance, giving you holistic protection.
So before you strap on your helmet and hit the first ride to the water, reach out to Coast/Vienneau Insurance and make sure you have the coverage that you need.