Like all vehicles, motorcycles come with an inherent risk and, as a result, we use insurance to cover our costs in the event of any kind of accident or incident. However, though it’s certainly possible to be a safe and responsible rider, the risk of riding a motorcycle is also inherently higher. To that end, you might want to consider more than just the minimum coverage necessary by law.
In California, for instance, the necessary minimum liability coverage for motorcycle riders includes $15k for injury/death of an individual, $30k for multiple people, and $5k for property damage. But you might want more insurance than that.
The infographic below looks at the various kinds of insurance that are both available and mandatory. For instance, it looks at insurance beyond those that help you recover the costs of damage to your own vehicle or person, or liability to cover other people. Some additional types of insurance include comprehensive coverage to protect against theft and other types of damage, towing and roadside assistance coverage, as well as policies for coverage for accessories like your riding gear.
You may naturally want to manage the costs of the insurance that you get, as well. Additional policies can send the prices rising, but they may be essential to make sure you’re covered. As the infographic states, the single best way to get a discount is to take safety courses. Joining local motorcycle riding associations and living in safer areas where fewer accidents happen can also help you bring down the costs of insurance.
Infographic Design By Cheap Motorcycle Insurance