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Tips For Buying Motorcycle Insurance

No matter if you consider yourself a road warrior, or just ride it just to move around quickly, a motorcycle must have appropriate coverage.  Motorcycle insurance protects not only your investments, but also ensures that if you are involved in an accident, all medical costs will be paid. In order to make the right choices when it comes down to selecting an insurer and a coverage plan, make sure to utilize online auto insurance quotes.  Also, read our tips for buying motorcycle insurance.

motorcycle-insurance-florida2Except few states, motorcycle insurance is required all over United States. And in almost all cases, motorcycle insurance must include liability coverage, which will pay for any property damage or bodily injury you cause during an accident.  The minimum required liability coverage is the same as your state’s limit for car insurance.

Our first and most important tip is to buy more liability coverage than your state sets as minimum.  Minimum liability limits are usually not sufficient to pay your legal costs and claims if you’re sued, and creditors could go after some of your assets.

Another important tip is to check you state’s regulations regarding motorcycle passengers. In some cases, you will need to make sure that the liability coverage also covers the passengers.  Furthermore, check if you are required to carry UM/UIM coverage.

If you already have car insurance, you may want to check if the carrier can also extend the car coverage to your motorcycle.  A motorcycle endorsement is recommended, since will help you manage your finances better. Plus, you may get a multi-vehicle discount from your insurer.  If you have enough money and you really want to protect your ride, consider purchasing collision and comprehensive coverage.  And make sure to ask your company for a list of available motorcycle insurance discounts.

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