What Kind of Motorcycle Insurance Do You Need?
Updated: May 13
Acacia Insurance knows every rider is different, and so is their reason for choosing their pair of wheels. Regardless of your motorcycle choice, however, you need insurance.
Whether you ride a new or old bike, a vintage BMW or a full dress Harley, you’re legally required to have insurance if riding on the road. This is the same for the commuter on the Interstate as it is for the weekend rider on a country road – and applies whether you ride 20,000 miles or 20 miles a year.
Insurance for your motorcycle can quickly become a complicated subject. Do you need collision? Comprehensive insurance? Should you have Property Damage? At Acacia Insurance we are committed to getting you what you need so you can spend time riding, not reading your insurance policy.
Needs and wants may differ wildly when in the saddle. There are smart choices for every rider, however. So why not just buy the cheapest insurance you can find?
Have a really old and inexpensive bike with little to no value? Don't have concerns about getting hurt, even by someone else, while riding?
If those statements don't apply, you almost certainly need more than the cheapest insurance.
Motorcycle Insurance Discounts & Programs
The only way you can make motorcycle insurance cheaper is by reducing coverage. Reducing or eliminating collision or comprehensive coverage may be OK if you have a $500 1980 Honda CB550. Think twice, however, before going cheap on insurance for your new Bonneville or F 850 GS. Ditto when considering liability or “Bodily Injury” coverage options. We’ll help you navigate your motorcycle insurance options so you can find coverage that works.
Beyond the basics:
Information for new riders
If you are a new rider buying motorcycle insurance for the first time, you may find these tips helpful.
Read this if you ride a super bike or go to the track
Statistically, sport bikes or “crotch rockets,” as they’re also known, are much more prone to accidents than any other kind of motorcycle. This explains why sport bike insurance tends to be considerably more expensive than say, a cruiser.
If you are insuring a Harley-Davidson, you have some factors in your favor, and others swinging the pendulum the other way. In your favor, there are hundreds of thousands of riders buying insurance for their Harley-Davidsons, and these bikes tend to be ridden by more mature riders in more reasonable conditions.
Ready to learn more?
Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.