Motorcycle Insurance Facts for New Riders

As a new motorcyclist, you’re responsible for the care and protection of your new motorcycle. By researching your options for motorcycle insurance, you’ll have a better idea of what kind of coverage to obtain to protect you and your bike on the road. At StateChoice in West Hartford, CT, we offer motorcycle insurance coverage to suit any lifestyle. As a new rider, here are some motorcycle insurance facts you should know before hitting the road.

Liability Coverage

In Connecticut, you are required to have motorcycle liability insurance protection to cover the cost of injuries or property damage to others in accidents you cause. Every state has its minimum requirements and Connecticut is no exception. As a new rider, however, you may want more than the minimum coverage to protect you against serious accidents. Insufficient coverage could result in you having to pay for excessive accidental injuries out-of-pocket.

Collision Coverage

Although collision coverage isn’t required, it can save you a substantial amount of money if your bike is damaged in an accident. Collision helps pay for your bike’s repairs. If you own an expensive motorcycle or have financed your bike, collision protection is a must to protect your valuable investment.

Comprehensive Coverage

Comprehensive insurance protects your bike against theft and vandalism as well as damage caused by adverse weather on the road. A sudden hailstorm can cause extensive damage to a motorcycle on the open road. With comprehensive insurance, you’re protected against wind, rain, hail and other weather incidents you may run up against during your travels.

When selecting motorcycle insurance, consider how your riding habits, the cost of your bike and your riding skills (or lack thereof) along with your budget. Working with an experienced StateChoice agent from West Hartford, CT will make it easier to choose the right coverage at the right price.