What is Motorcycle Insurance?
Motorcycle insurance is similar to auto insurance, except it's designed for motorcycles and riders rather than automobiles and drivers. Like most auto policies, motorcycle policies usually provide protection against a number of potential risks.
What Types of Coverage Does Motorcycle Insurance Offer?
Many of the coverages that are available through motorcycle insurance policies are also found on auto policies. Some of these include:
- Medical Payments Coverages, which may help pay for medical expenses associated with the treatment of a rider or their passenger’s injuries
- Personal Injury Protection, which might help with medical payments, childcare costs, and funeral expenses if a rider is injured
- Bodily Injury Liability Coverage, which may cover medical expenses associated with other people’s injuries
- Comprehensive and Collision Coverage, which might cover damage that a motorcycle sustains
- Property Damage Liability Coverage, which may cover damage caused to other people’s vehicles and property
- Uninsured and Underinsured Motorist Bodily Injury Coverage, which might provide coverage if another driver causes damage or injury, but isn’t properly insured
Two other coverages that some riders may want are Lease or Loan Gap Coverage, and Optional or Added Equipment Coverage. If a bike is stolen and not recovered, lease or loan gap coverage might help pay the difference between a bike’s depreciated value and the balance on a lease or loan. Optional or added equipment coverage is frequently used to insure aftermarket parts and mods that are added onto a bike.
Who in Massachusetts Needs Motorcycle Coverage?
Everyone who takes a motorcycle on public roads is required to carry an insurance policy that at least meets the state’s minimum requirements. Without such coverage, riders may face legal consequences, and they can be held personally liable for any damage or injuries they’re found responsible for. At Charles River Insurance, motorcycling is in our blood. We won't saddle you with a bloated policy, filled with overkill. Our job as independent insurance agents is to identify the coverage levels you need to protect yourself and your investment, and find you the best price for that coverage.
We ride the same streets you do - from the busy roadways of Worcester and Boston, to the country roads in North Central Worcester County and western Massachusetts. We know the perils you face, and we want to help.
What Factors Affect a Rider’s Motorcycle Coverage Rates?
Insurance carriers consider many factors when calculating motorcycle coverage rates. Some of the factors they take into account that affect how much drivers pay for insurance include the following:
- A rider’s age and gender
- A rider’s driving record (including both in automobiles and on motorcycles)
- Where a rider lives
- Where and how often a rider rides
- The make and model of the insured motorcycle
- Whether the motorcycle has any aftermarket additions
How Can Bikers in Massachusetts Find Affordable Motorcycle Coverage?
With the help of an independent insurance agent like us, shopping for motorcycle insurance is easy and fast. We know what questions to ask, so we can quickly assess a rider’s risk exposure and insurance needs. Once we know what coverages to look for in a policy, we can get quotes from our network of insurance carriers in just a few minutes that contain those coverages. Bikers can then compare these quotes side-by-side and choose the one that’s best for their needs. It's fast, easy, and affordable motorcycle insurance coverage - which means you spend more time on the road this summer.
