Top 5 Questions Everyone Asks About Motorcycle Insurance

There’s nothing like feeling the wind whip by as you cruise down the open road on your motorcycle. But even during these liberating and exciting trips, you must still be mindful of potential danger. Regardless of your skill and experience levels behind the handlebars, irresponsible drivers, unexpected road conditions, inclement weather and theft could all pose consistent threats.

That’s why, at Sunstar Insurance of Arkansas, we’re happy to help answer five of the most essential questions about motorcycle coverage.

Question: What is Motorcycle Insurance?

Motorcycle insurance may function similarly to auto insurance you might need for a car. Your policy acts as a contract with your insurance carrier and necessitates regular payments, known as premiums. By keeping up with these payments, you retain the right to file a claim for financial assistance following covered incidents. If approved, these claims can garner monetary aid up to your policy’s limits and minus your deductible.

Question: What Does My Policy Cover?

A suitable motorcycle insurance policy may require multifaceted coverage capable of addressing many possible risks and incidents. Specifically, you may want to ensure you have the following:

• Bodily injury liability coverage

• Property damage liability coverage

• Collision coverage

• Comprehensive coverage

• Personal injury protection

• Uninsured/underinsured motorist coverage

Question: Is Insurance Required?

Yes, if you want to ride your motorcycle on public roads, you’ll typically need to secure certain coverage. For example, in Arkansas, you must have bodily injury and property damage liability coverage when registering your bike. If you’ve financed your vehicle, your lender may also mandate additional insurance.

Question: How Much Does Coverage Cost?

Insurance carriers carefully calculate your risk levels when quoting you a rate for coverage. Although criteria and considerations may vary among insurers, you can generally expect the following to be considered:

• Location

• Driving records

• Age

• Motorcycle specifications

• Claims history

• Policy details (e.g., types of coverage, endorsements, limits and deductible)

Question: How Can I Save On My Coverage?

You may be able to enjoy ideal rates on your motorcycle insurance by taking the following steps:

1. Bundle your coverage with other policies, such as homeowners and renters insurance.
2. Maintain a clean driving record without traffic violations or accidents.
3. Complete a safe driving course.
4. Avoid filing small claims, such as for minor incidents that you can afford to pay for out of pocket.
5. Improve your credit score.
6. Shop around for the best rates from multiple carriers.

How to Get Motorcycle Insurance Near Me

Contact Sunstar Insurance of Arkansas today to learn more about coverage options and ensure you have a personalized policy at the best available rate.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.