Queen Creek AZ Motorcycle Insurance

Motorcycle Insurance Requirements

Riders must have liability insurance (helps pay others' injury and property damage expenses if you're at fault in an accident). In most states that minimum coverage has the following limits:

• $15,000 Bodily Injury Coverage per Person / $30,000 Bodily Injury Coverage per Accident
• $10,000 Property Damage Coverage per Accident

This is the minimum coverage. Your should maximize your protection and increase your limits to protect yourself accordingly when you get your motorcycle insurance quote.

Guide to Shopping for Motorcycle Insurance Rates

When looking for a competitive motorbike insurance rate, you have a few options, such as:

• Using sites that compare quotes from multiple carriers.
• Calling individual providers.
• Asking an independent insurance agent.
• Visiting insurance company sites.

With the third option, keep in mind that independent agents can only offer insurance from carriers they have a contractual agreement with. So, this might limit your options.
For most bikers, the online route is the most convenient and fastest one, especially the last option. However, you won't be able to get a quote from some insurance carriers on multiple-quote sites'especially the smaller, motorcycle-only providers'so you will need to call those companies or visit their sites.
But, this can be a great starting point.

Optional Coverages for Motorcycle Insurance

Much like the auto insurance coverages offered through our affiliated insurance companies, you should consider each of these coverages when requesting your motorcycle insurance quote.

Collision: This is for damage to your motorcycle from a collision. This is the part of a motorcycle insurance policy that pays to get your bike repaired after a collision with another vehicle or an object. It is collision insurance that will get your insurance company to seek out another driver's insurance company to pay for repairs if they were at fault.

Comprehensive: This is for damage to your bike not involving a collision with another car (including damage from fire, falling debris, theft, etc). This part of an motorcycle insurance policy covers damages to your scooter caused by something other than a crash: a vandal, a tree falls on it or floodwaters engulf it.

Uninsured motorists coverage: This is for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance. This part of your insurance policy covers injuries to you, caused by a driver without insurance and is meant to pay for your medical expenses.

Underinsured motorists coverage: This is for costs resulting from an accident involving a driver who does not have enough insurance. This part of an auto insurance policy covers injuries to you caused by a driver without enough insurance. Most states require drivers to carry uninsured motorist coverage. Some states include damages to your car in this coverage.

Medical payments: This is for treatment of injuries to you and/or your passenger. This part of your motorcycle insurance pays for medical expenses and lost wages to you and any passenger on your bike after an accident. It is also known in many states as personal injury protection (PIP).

Optional equipment coverage
Check with the insurance company that you choose and see if they have customization coverage. You may have put a lot into your bike and should protect the upgrades. Customization coverage may already be included to help repair or replace damaged custom equipment, such as sidecars and exhaust systems. If it's not included you might include it in your quote. It's usually a lot cheaper than you think.

Personal property coverage
Many of our insurance companies offer protection and even replacement coverage for your personal property in case of a loss. This helps repair or replace belongings you carry inside the storage compartments, including safety gear, camping equipment, and more. Ask an agent or see specific policy for details.

Trip interruption/cancellation coverage
An optional coverage offered by some of our insurance carriers is trip interruption coverage. If a mechanical failure or other covered loss occurs and your far from home, you may get daily reimbursements up to:

• $100 for lodging
• $50 for food
• $50 for alternate transportation

Towing coverage and roadside assistance
This coverage provides for towing costs and labor, like tire repair, battery jumps, or fuel refills. Please check with your insurance provider to ensure that you have this coverage if available.

Transport trailer coverage
If your hauling or trailering your bike your motorcycle insurance may cover damage to the trailer that's transporting it.. Transport trailer coverage goes toward damage your trailer suffers while hauling your motorcycle.