There’s nothing like the freedom you feel when riding, but if you’re on the road, you’re at risk. To ensure you’ve got the coverage to keep your bike in good shape, and the financial protection you need, you’ll want to secure insurance coverage for your motorcycle. And getting the best pricing on the motorcycle coverage, starts with comparing quotes. Send us your quote request and we’ll compare coverage and pricing for you. We even have options to bundle your motorcycle insurance with your other insurance for additional savings! Contact us today, or learn more about the motorcycle protection, below.
Common Motorcycle Insurance Coverage Includes:
Liability Insurance Coverage
Most states require you to carry liability coverage. Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident, but it doesn’t cover you or your motorcycle.
Bodily injury liability: If you’re at fault in a crash, you may be responsible for covering the damages for your passenger or the other driver. If so, bodily injury liability typically covers the other driver or your passenger’s expenses, such as medical bills, lost wages, and pain and suffering.
Property damage liability: If you’re at fault in an accident that causes damage to others’ property, property damage liability covers the expenses, such as damage caused to vehicles, private homes, fences and other structures.
Collision Insurance Coverage
Collision insurance covers damage to your bike if you’re involved in an accident. Your carrier will pay for damages, minus your deductible, caused when you collide with another vehicle or object. Keep in mind that collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive Insurance Coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision insurance coverage, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist insurance coverage covers damages to you and your property caused by another driver who isn’t adequately insured and can’t cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist insurance coverage includes property damage, then your motorcycle would also be covered.
Top Ways to Save on your NH Motorcycle Insurance Premium
• Consider raising your deductible.
• Keep up your good driving record.
• Take a motorcycle safety driving course.
• Install an anti-theft device.
• Ask about our multi-policy discounts.
Keep yourself out of harm’s way with simple, safe riding practices.
> Motorcycle Riding Safety Tips From The NHTSA