What You Need to Know Before Buying Motorcycle Insurance

The freedom and wind in your hair as you ride off into the sunset- there’s nothing like it. But before you hit the open road on your motorcycle, you must ensure you have the proper insurance coverage. Here’s what you need to know before buying motorcycle insurance.

1. Check Your State’s Requirements

What you may need for coverage in one state may differ. Some states have minimum bodily injury and property damage liability requirements, while others do not. So before you purchase a policy, check your state’s insurance requirements to ensure you’re meeting the legal minimums.

2. There is no "One Size Fits All" Policy

Every rider is different, which means their needs differ. You’ll need to consider the bike you ride, how often you ride, and what you use your bike for when determining the right coverage for you. You also need to decide if you want add-ons like roadside assistance or rental reimbursement.

3. Auto Insurance May Not Cover You

Your auto insurance policy may cover you if you’re in an accident while riding your motorcycle. But it’s important to check with your insurer to be sure. Most auto policies exclude coverage for motorcycles, so you’ll likely need a separate policy.

4. Not Everything You Hear About Motorcycle Insurance is True

There are a lot of myths out there about motorcycle insurance. For instance, some people believe that red bikes cost more to insure. But the truth is, your premium is based on factors like your biking history, the type of bike you ride, and where you live- not its color. So don’t let myths about motorcycle insurance deter you from getting the coverage you need.

Get Motorcycle Insurance in Dallas, TX

Don’t hit the open road without proper motorcycle insurance coverage. Instead, talk to an Alloy Insurance Partners agent to ensure you have the right policy for your needs. This will help ensure you’re covered in the event of an accident.