5 Tips for Getting the Best Motorcycle Insurance for Your Needs

When it comes to motorcycle insurance, there’s no one-size-fits-all solution. The type of coverage you need will depend on various factors, including the type of bike you ride, your riding habits, and where you live. With so many options to choose from, it can be difficult to know where to start. North Coast Insurance Services in Lexington, MI provides this guide on getting the best motorcycle insurance for your needs.

5 Tips for Getting the Best Motorcycle Insurance for Your Needs

1. Know Your Coverage Needs

Before you start shopping for motorcycle insurance, you must know what type of coverage you need. There are four basic types of motorcycle insurance: liability, collision, comprehensive, and uninsured/underinsured motorist.

2. Compare Different Policies

Once you know what coverage you need, it’s time to start comparing different policies. When you’re comparing policies, be sure to look at the coverages and limits that are offered. You should also consider the deductibles, premium costs, and any discounts that may be available.

3. Do Not Go for the Cheapest Policy

The cheapest motorcycle insurance policy is not always the best. In fact, it’s often the worst. Cheap policies usually have low limits and few coverages, so you’ll end up paying more out of pocket if you have an accident. Again, while most states have minimum insurance requirements, these are often too low to protect you financially if you’re in an accident.

4. Read the Policy Carefully

Once you’ve found an insurance company and policy you’re happy with; it’s important to read it carefully. Make sure you understand what is and is not covered. If there’s anything you’re unsure about, ask your insurance agent for clarification.

5. Review Your Coverage Regularly

Your needs will change over time, so it’s important to regularly review your motorcycle insurance policy. As your bike ages, you may want to drop some coverage, such as collision or comprehensive. If you move to a new city or state, your coverage needs may also change.

Contact Us Today

There’s a lot to consider when shopping for motorcycle insurance, but following these tips will help you get the best coverage for your needs. If you’re looking for motorcycle insurance in the greater Lexington, MI area, North Coast Insurance Services can help. We offer a variety of motorcycle insurance policies to meet your needs and budget. Contact us today for a free quote.

4 Benefits of Michigan Motorcycle Insurance

If you value your motorcycle in Lexington, MI, you can’t afford to ride without motorcycle insurance from North Coast insurance Services. Motorcycle insurance prevents you from incurring expensive bills from your pocket when accidents and other perils strike. If you are contemplating purchasing motorcycle insurance, you are on the right track. Below are the benefits you will enjoy.

Compliance with the law

Under Michigan law, motorcyclists are required to have minimum liability coverage in their motorcycle insurance. This coverage provides bodily injury and property damage coverages for accidents you are deemed liable for. Without the state-required motorcycle insurance, the bike owner is automatically disqualified from enjoying the no-fault insurance benefits. 

Protection of the asset

Whether you use your bike to run errands, commute, or have fun, it must have cost you several thousands of dollars. If you are uninsured and a disaster occurs, you will have to finance repairs and replacement of your bike from your pocket. Thankfully, if you have comprehensive and collision coverages, your insurer covers damages to your bike up to your coverage limit.

Medical expenses coverage

Motorcycle accidents can be catastrophic. Without health insurance, you are faced with expensive medical bills that can ruin your finances. Thankfully, if you have PIP or medical payments coverage, medical expenses for you and your passengers are well-taken of despite who was at fault for the accident.  

Roadside assistance coverage

Sometimes, your beloved machine can let you down. It can break down unexpectedly when away from home. However, when you have the roadside assistance add-on, you access services like towing, gas delivery, puncture repair, and other roadside repairs to get you back on the road ASAP.

Buy motorcycle insurance today!

Having seen the benefits of motorcycle insurance, the next step is to purchase coverage from North Coast insurance Services. Contact us today, and we will help you protect your asset.