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Motorcycle Insurance

Cruising across Georgia on your motorcycle can be thrilling, but ensuring you’re financially protected is paramount. Motorcycle insurance can help you avoid economic losses in case of accidents or mishaps on the road.

How Does Motorcycle Insurance Work?

Motorcycle insurance may provide financial assistance in case of accidents, theft or damage. In Georgia, having insurance coverage is mandatory for motorcycle riders. A policy typically includes liability coverage, which pays for damages to other people’s property or injuries they sustain in an accident where you’re at fault. It may also have comprehensive and collision coverage that can safeguard your motorcycle against the cost of theft, vandalism and accidents.

When you purchase motorcycle insurance, you must choose coverage limits and deductibles that suit your needs and budget. Insurers assess risk factors such as your driving record, the type of motorcycle you own and your location to determine the cost of your premium.

What Is Covered by Motorcycle Insurance?

Several options are often available when deciding what coverage you want for you and your bike, including the following:

  • Liability coverage can pay for injuries or damages the motorcycle driver causes to other people or their property in an accident.
  • Collision coverage may help pay to repair or replace the motorcycle if it’s damaged after colliding with another vehicle or object. Collision coverage usually has a deductible that must be paid out of pocket before coverage kicks in.
  • Comprehensive coverage can help cover damage to a motorcycle caused by noncollision events such as theft, fire, vandalism, hail or hitting an animal. Like collision coverage, it typically has a deductible.
  • Uninsured/underinsured motorist coverage can pay for injuries or damages caused by a motorist who doesn’t have adequate insurance.
  • Medical payments coverage may help pay medical and funeral expenses for covered parties without determining fault.
  • Other add-ons can sometimes be added to a policy, including accessory coverage, roadside assistance, towing/labor costs and replacement motorcycle rental.

How Much Is Motorcycle Insurance?

Motorcycle insurance costs vary depending on factors such as your age, driving record, location, the type of motorcycle you ride, coverage limits and deductible amounts. Generally, more experienced riders with clean driving records and less powerful motorcycles pay lower premiums. Consult an insurance agent to get quotes from multiple insurers and compare coverage options.

Do You Need Motorcycle Insurance?

If you live near Jesup, Georgia, we can help. Boyd’s Insurance Services will assist you with your motorcycle insurance needs. Contact us today to get started.

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