If you Drive a Motorcycle, You Need Motorcycle Insurance
Automobile insurance is very important. Most people know this and understand this. Insurance is meant to protect you, your property as well as other people and other property that you may damage in an accident. There are different kinds of insurance that cover different things but even the mot basic insurance is better than none at all.
Since insurance is so important to motor vehicles, you should also know that it is important to motorcycle riders as well. More and more people are filling the roads with motorcycles. It is a great, fast way to travel. Many people enjoy the open road and the freedom. Many people find it cheaper than driving a car. Whatever the reasons for driving one, if you have a motorcycle, you need motorcycle insurance.
The good news is that more and more auto insurance companies are offering coverage to motorcycles now so it is not as hard or as expensive to get insurance. You can find free quotes from many common auto insurance companies.
You can get quotes online from many places like Progressive. Types of motorcycle coverage vary by state so you will have to look it up for your state to know exactly what kind of insurance is available to you and required by law.
Your coverage can also vary according to how your motorcycle is classified, just like with automobiles. There are cruisers, limited production cruisers, street sports, high performance, touring and more types. How your motorcycle classifies will affect your insurance as well as the other factors.
Your driving record can also affect your rates. There are some states that do not offer motorcycle insurance such as Massachusetts, Washington DC and New Jersey. You must check with the laws in your area. Most insurance companies can tell you the laws for your state if you do not know.
Watch the video related to motorcycle insurance
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James Hunt has spent 15 years as a professional writer and researcher covering stories that cover a whole spectrum of interest.
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Posted by American Car Insurance on July 25th, 2009 filed in motorcycle insurance | 9 Comments »
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9 Responses to “If you Drive a Motorcycle, You Need Motorcycle Insurance”
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July 25th, 2009 at 11:01 am
You need to have insurance before you take possession of a motor vehicle, let alone drive it on any kind of permit or license.
This is because bad stuff can happen at any time.
Most bad stuff happens in an accident, but it can get stolen, damaged, cause damage. If you own it, you are responsible, unless you got insurance first.
If police stop you for any random reason, they will probably need to see your
* license is correct for type of vehicle you driving (you do know that a different license needed for motorcyce, than for car?)
* ownership … you have right to be driving this vehicle
* licence plates properly registered to ownership
* wearing suitable safety gear like helmet
* proof of insurance
If any of this evidence is missing, the presumption is that you are driving illegally.
July 25th, 2009 at 11:26 am
In most states, if the scooter is 50cc and under – you need a driver's license.
Any higher and you will need a motorcycle endorsement on your license.
It's not the point that it's a scooter or a Vespa. It's the size of the motor that determines that.
July 25th, 2009 at 8:44 pm
auto insurance and motorcycle insurance are usually written on separate policies. there are a few companies that will write them on one policy. yes, you need to have the bike insured to drive it. the cost depends on what type of bike it is, your record, your credit, the coverages you want.etc… if you are looking for good rates try American Reliable if they write in your area. they are a good company and their rates are outstanding!
July 26th, 2009 at 12:58 pm
Vehicle insurance and driving permits are apples and oranges. You'd better get that insurance before taking the bike for a spin.
All motorized vehicles must have insurance to be legal on the streets and highways. You can be ticketed for not having insurance and, if in an accident, you will pay through the nose.
July 26th, 2009 at 1:04 pm
I can't speak for CA, as i live up in OR, but I am a 23 year old male so same age range. I've found that motorcycle insurance can vary an incredible amount from provider to provider. I have an 07 GSXR 600 (one of the most expensive bikes to insure), also note that I have a clean record IE no accidents or tickets. NE ways I started with a policy from Progressive bought through a private insurer. Now you also have to keep in mind that it is obviously going to vary depending on how much coverage you buy, what your deductible is and whether or not you finance the bike (you will need comprehensive on top of liability if you finance it) I financed but it was going to be so outrageous ($4000 a year) that my insurer said he would over look that. So I got about 100000 worth of liability with no comp for $1600 a year. I thought this seemed reasonable but then some of my friends heard that and said it was outrageous for what I was getting. So I decided to check out Geico. I also decided that I didn't need 100000 worth of coverage. I got a quote from Geico for 50000 policy for $300 a YEAR!!! Yes you saw right $300 a year. Since it was so cheap I decided to add comp with a $1000 deductible and still only pay $760 a year about $77 a month, to compare I pay $95 a month for my 2000 V6 mustang. So the moral of the story is you have to shop around, and you can find good deals. Also crotch rockets are way more to insure than cruisers or touring bikes, my dad pays $325 a year for full coverage for his Yamaha V-Star. It should be cheaper than to insure a car at any rate!
July 26th, 2009 at 1:12 pm
Time to find another insurance company. While insurance companies want to list all operators on an auto policy, why they insist on adding a spouse who is not properly licensed to drive that class of vehicle is a bit odd. If they are not willing to exclude her from the policy then go elsewhere as they are not worth dealing with.
July 27th, 2009 at 5:01 am
well you can buy the insurance on line
but if you bought the motorcycle new your temp tags will cover you for 30 days for a license.
if you take the BRC in Hutchinson community collage they will license you with out getting a permit for about $180 its a weekend course
July 27th, 2009 at 4:26 pm
An SR-22 isn't a type of insurance coverage, but rather proof that you have insurance.
It is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State.
This insurance notification is typically required by the State for 3 years from the date the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the "pink" temporary license (assuming you are a first offender without a refusal of the chemical test).
If your policy lapses for any reason (miss a payment, get cancelled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended. This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22.
When is the SR 22 required?
This will be required by you if:
(1) you were arrested for a DUI and;
(2) you have your license suspended or restricted and/or;
(3) if you are required to take a DUI program and;
(4) you want to get a restricted license.
To get a restricted license, you have to do 3 things:
(Not immediately – only if you lose your DMV hearing or get convicted in Court)
(1) Pay DMV re-issue fee(s).
(2) Provide DMV proof of financial responsibility (SR-22).
(3) Provide DMV proof of enrollment in approved DUI program.
Insurance minimums in California:
For private passenger vehicles per accident: $15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Moving to Another State:
If you currently have an SR-22 and want to move to another state you must maintain the SR-22 like you still live in California – even though you no longer reside here. Also, your insurance policy for the new state must have liability minimums required by law in California. This applies even if you move to one of the states that does not have SR-22 insurance: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.
Already convicted and need a license?
First, make sure you are eligible for at least a restricted license by calling the California DMV at 1 (800) 777-0133. Then follow the steps above.
Other related information:
If you insurance company cancels your insurance because of your conviction, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.
Already agreed to enter a guilty plea or didn't request a DMV hearing?
If you think you are going to be convicted, make sure you contact an insurance broker BEFORE the conviction appears on your record. A skilled insurance broker can often times save you from being cancelled or having your insurances rates double (typical through State Farm for example) once a DUI conviction appears on your record.
Additionally, you should know that although your SR 22 can be filed electronically you should be able to get an original from your insurance company and hand deliver it to the DMV so that you don't have to wait for the clerks in Sacramento to do their job – which they do slowly.
I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance
Or, Generally, How to Downshift Your Insurance Costs with Smarter, Cheaper Coverage
1) Nab Discounts
Most insurers offer price cuts for such things as:
- having anti-lock brakes;
- having been accident-free;
- having taken a defensive-driving course;
- using the same insurer for your home policy.
(For more info., visit the auto insurance checklist at http://iii.org/individuals/auto .)
These can take up to 25% off your premium. But your insurer usually will not come to you with them so you have to call the company and find out what the discounts are.
2) Raise your deductible.
The point of vehicle insurance is to protect you from catastrophic costs (your emergency fund should cover stuff like dents and broken windows). Raise your deductible from say $200 to $1,000 and you could save more than 40% on premiums, according to the Insurance Information Institute.
3) Prune coverage on old vehicles.
Once your vehicle is worth less than 10 times what you pay each year to insure it, get rid of the comprehensive and collision. Find your vehicle's estimated worth at http://www.kbb.com.
4) Dig up competing quotes.
This is the most work but could have the greatest payoff. Go to http://www.naic.org to find your state insurance commission website, where you can download a vehicle insurance buying guide.
Pick the example closest to you and the 5 insurers with the lowest rates. Call them for quo
July 27th, 2009 at 5:22 pm
Yes you have to have insurance and you have to have it in all states.