How to Buy Motorcycle Insurance

Motorcyclists must have insurance to operate their bikes on public roads and highways. Without it, you're liable for any bodily injury or property damage you cause. You could also be ticketed for not having liability insurance if you're involved in an accident.

Instructions

Difficulty: Moderately Easy

Things You’ll Need:

• Motorcycle covers
• Motorcycle gloves
• Traffic rule books
• Motorcycle insurance
• Motorcycle pants
• Motorcycles

1. Ask the agent or broker who currently insures your auto or home about motorcycle insurance. In some states, such as California, you must have insurance before you can pick up your new bike at the dealership.
2. If your insurance company does not cover motorcycles, consult friends or neighbors who have coverage for their motorcycles for good agencies to contact.
3. Talk to the cyclist or salesperson who sold you the motorcycle, and also look through motorcycle magazines, motorcycle Web sites and the yellow pages. Dealerships don't always work with the best companies, and you might get talked into a policy you don't want.
4. Note that your premium rate is based upon factors such as the size, type and brand of bike, as well as your age, your driving record, your years of driving experience, your garaging location and the amount of miles you're likely to drive in a week. Premium rates vary greatly from biker to biker.

Tips & Warnings

• Motorcycle driving can be more dangerous than driving a car. Drive defensively, observe all traffic laws and avoid potential hazards.