These motorcycle insurance buying tips explain state-specific insurance laws, smart shopping strategies to help you get the best coverage for the lowest rate, and more. Read on to find our expert authors’ clear and thorough answers to your motorcycle insurance questions.

Motorcycle Insurance Coverage: What are your State’s Unique Motorcycle Insurance Rules?

Motorcycle Insurance Coverage: What are your State’s Unique Motorcycle Insurance Rules?
By Lori Mandell

Time to slip on your leather jacket, get on your Harley and hit the road?  Hold on.  You need to protect yourself.  Besides your helmet, of course, better have some motorcycle insurance in place.  Most states require minimum liability coverages, (property damage and bodily injury), for both cars and motorcycles.

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Motorcycle Insurance

Motorcycle Insurance

Weekenders and regular bikers all face the same challenges in selecting motorcycle insurance. First-time owners often make the mistake of buying a motorcycle before giving any thought to researching insurance options. The fact is, many carriers do not provide motorcycle insurance. Those that do, offer policies that are very expensive by comparison to auto coverage.

Motorcycle Insurance Coverage Basics

Rates vary greatly among companies, and coverage varies by law from state to state. Basic options in a policy may include the following:

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