How to Get Motorcycle Insurance

It's illegal to ride a motorcycle without motorcycle insurance in most states. Get insurance before you even get your motorcycle.
It’s wise to organize your motorcycle insurance before you even buy your motorcycle. It’s against the law to ride a motorcycle without insurance in every state except Florida, Montana, and Washington. You should still get insurance, though, even if you live in one of those three states. Riding a motorcycle is dangerous. One careless mistake could land you in the hospital and your bike in the shop or junkyard. Get covered before you hit the road. In this article, Step 1 recommends getting your motorcycle license, Step 2 suggests taking a safety course, Step 3 tells you to shop for a bike, Step 4 explains how to get insurance, Step 5 helps you decide if you need additional insurance, and Step 6 suggests shopping around for the best rate.

Part 1 of 1: How to get insurance for a motorbike

Step 1: Get your motorcycle license. Contact your local DMV to find out what is required to get a motorcycle license. Each state has its own set of requirements. Most states will require that you take a test and get a learner’s permit.
Step 2: Take a motorcycle safety course. Take a basic motorcycle safety course, even if your state does not require it.
Most insurance companies will give you a better rate on motorcycle insurance if you have completed a motorcycle safety course or military safety course.
You can also often get a discount if you are a member of a motorcycle group like the Harley Owners Group or American Motorcyclist Association.
Step 3: Decide which motorcycle you are going to get. Go ahead and go shopping for your motorcycle. Figure out which one you want.
You will have to have your permit in order to take a motorcycle for a test drive.
Step 4: Find out how much insurance you need. Contact your local DMV to find out how much motorcycle insurance you need.
Each state has its own minimum requirements. You will have to get a certain amount of coverage for bodily injury, per accident, and for property damage.
These three numbers are referred to as 00/00/00. A common minimum is 25/50/25, which represents $25,000 for bodily injury, $50,000 per accident and $25,000 for property damage.
Step 5: Figure out which additional motorcycle insurance you will need. Consider whether or not you want to get additional motorcycle insurance.
Get guest passenger liability coverage if you ever plan to give someone else a ride on your motorcycle. As MotoUSA points out, “unlike automobile insurance, motorcycle passengers aren’t automatically covered.”
Look into getting other additional coverage like uninsured/underinsured motorist in case you are hit by a driver who doesn’t have insurance. Comprehensive insurance covers damages from something other than a collision, like theft, vandalism, fire, and animal collision. These add-ons are usually fairly inexpensive and certainly worth paying for.
Step 6: Shop around for motorcycle insurance. Contact your insurance company, if you have car or homeowner’s insurance. They may be able to give you the best deal if you bundle your home or car and motorcycle insurance.
Don’t stop there, though. Get quotes from other motorcycle insurance companies. You don’t have to always get your car insurance and motorcycle insurance from the same company.
Check the rates of at least half a dozen or so insurance companies. Always find out what the premiums will be if you bundle and if you insure only your motorcycle with them.
Step 7: Make arrangements with your motorcycle insurance provider. Get everything in order with your chosen insurance provider after you decide which one to go with.
Tell your insurance agent that you are going to go get your motorcycle and need to get your account set up and ready to go. Give the insurance agent your name, address, and any other information he or she requires. That way, all you need to do is call him or her with the motorcycle make, model, year, and Vehicle Identification Number (VIN) when you sign the papers.
If you are buying your motorcycle from a dealership, your insurance agent will probably fax proof of insurance to them. Dealers won’t let you drive the motorcycle off the lot without it. You will also need it to register your motorcycle and get a license plate.
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