Motorcycle Insurance
Whether you ride a sport bike, cruiser, or touring motorcycle your state requires coverage for bodily injury and property damage. Additional minimum bike insurance required varies by state. For instance, Florida requires Personal Injury Protection (PIP) while Nebraska and Wisconsin require Uninsured Rider Insurance (UM). Your agent can help you discover the minimum Motorcycle Insurance required by your state.
There are a couple ways riders can lower motorcycle insurance premiums. When choosing between motorcycles consider maximizing cc's up to the point insurance rates jump or just opting for a smaller engine. Insurance companies, like Progressive and Geico, offer discounts to riders who take a motorcycle safety course. In addition, joining a motorcycle organization like Harley Owners Group (H.O.G.) has financial benefits as well as providing more opportunities to take out the bike. In the Discounts and Determination of Rates section find more ways to get cheap motorcycle insurance.
Motorcycle Insurance is designed to cover motorcycles used as transportation. It is not designed to cover any commercial applications of motorcycles, such as deliveries or races. For these kinds of coverages, see Commercial Vehicle Insurance and appropriate Specialty Insurance products.