A Short Guide to Motorcycle Insurance
If you’re making plans to purchase a motorcycle, you’ll want to stop for a few moments to read over our helpful guide on motorcycle insurance! Once you’ve breezed through our short guide, feel free to stop by our location in New Windsor, New York to start browsing for your new bike.
Do You Need Motorcycle Insurance?
The answer to this question is a bit complicated, and we encourage you to check your state’s local ordinances to see what they say about motorcycle insurance. But, to answer your question directly: yes, it’s likely you need motorcycle insurance. A majority of states in the U.S. require owners to at least have liability coverage for their motorcycles. What is considered sufficient liability is decided by your state, which is why it’s so important to check local legislation.
If you do happen to live in one of the few states that don't require motorcycle insurance, you may still need to purchase some. If you plan to finance your motorcycle with a loan (something a majority of buyers do) it’s very likely your lender will require you to purchase motorcycle insurance. Much like your state, your lender will decide what is sufficient coverage, so be sure to ask about their policies before signing on the dotted line!
Where to Buy Motorcycle Insurance
Thankfully, purchasing motorcycle insurance is just as easy as buying car insurance! Most insurance companies carry motorcycle policies and even offer bundling deals if you have another piece of property covered by their company (such as a car, house, or even a boat). While you’ll be required to purchase liability insurance for your motorcycle, there are also various plans available to protect you from weather damages, theft, and even pay for tows and transportation in case of a breakdown.
Buying a motorcycle isn’t always the easiest process, especially if you’re a first-time buyer! If you’re having trouble finding your perfect model, we want to encourage you to visit us here at Moroney's Motorsports. We proudly serve the nearby city of Newburgh, New York, and our experienced staff will be able to answer any of your questions and make helpful recommendations based on your preferences.