Motorcyclists must have insurance to legally ride on public roads, as is the case with any other vehicle. The cost of insuring a motorcycle can vary greatly, with sportbikes generally costing significantly more to insure than slower motorcycles with less bodywork. Sportbikes have a greater potential for accidents and costly damage, especially when ridden by younger and less experienced riders. When getting an insurance quote for motorcycles, it’s important to know what’s covered. Here are some common types of motorcycle insurance coverages to consider when looking to insure your motorcycle.

Breaking down on the side of the highway or your bike not starting up can be a nightmare. Unlike cars, motorcycles lack the protective barriers that shield drivers. Breaking down on a hot evening can ruin your day. According to Forbes, 13% of motorists have no insurance coverage. Instead of breaking down on the highway without help, consider an insurance package that provides roadside assistance to make your life easier.

States require an acceptable amount of coverage for liability arising from potential bodily injuries or property damage suffered by others. If you cause an accident, you could be liable for any damages and bodily injuries the victims might suffer. The coverage does nothing to protect you or your motorcycle, so you'd have to use your health insurance to cover your medical costs. Fortunately, motorcycles typically cause relatively little damage to other people’s property, and they seldom cause injuries to others when in an accident with a car or another relatively large vehicle.

The best way to protect your motorcycle is to have collision coverage that will pay if it’s damaged, stolen, or suffers some other type of covered peril. If you finance a motorcycle purchase and use the bike as collateral, you’ll need to be properly covered, which people commonly call “full coverage.” You also might consider adding towing or roadside assistance coverage.

As you can see, there are various types of motorcycle insurance coverage to consider. You can call our friendly staff to get an insurance quote for your motorcycle and learn which optional coverages might help give you the best protection while riding. Get in touch with Matlack & Company today. We look forward to providing you with quality motorcycle insurance coverage!