Motorcycle Coverage Basics

While signing the check for your new motorcycle, your insurance coverage is most likely your first thought. However, just like a car, you will need to protect your new motorcycle with the right motorcycle insurance policy. Make sure to ask your insurance agent these questions to ensure that you have the right amount of protection.

• How much coverage is required? Each state has different requirements when it comes to how much motorcycle insurance you need. In Idaho, you are required to have a minimum amount of liability of $25,000 for injury or death to one person, $50,000 for injury or death to two or more people, and $15,000 for damage done to property.
• Are passengers covered? If you are found to be at fault for an accident, your liability coverage will help to cover the cost of any medical bills and property damage that you are required to pay for. Guest passenger liability will extend that coverage to any passengers that are riding on your motorcycle.
• Is roadside assistance available? In most cases, roadside assistance can be added onto your motorcycle insurance policy and will cover towing to the nearest repair shop and other basic emergency needs.
• What discounts are available? Just like all other insurance policies, there are many discounts that are available that will help to keep the cost of your motorcycle insurance as low as possible. Ask your agent about a discount for bundling your policy, completing a safe driving course, having a good driving record, and much more.

When looking for the right motorcycle insurance policy to keep you safe on the road, contact Bell Black Insurance in Rexburg, Idaho. We will work with you to make sure that you have the protection that you deserve, all at the right price to fit your budget.