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How To Choose the Right Amount Of Insurance For Your Motorcycle

If you are planning on buying a motorcycle in the near future, then you will need to think well beyond just picking out the perfect bike for you. Before you can drive that beauty off the lot for the first time, you will not only need to pick up some riding gear, but you will also need to present your seller with proof of insurance for your new bike. All states have the right to set their own insurance laws and regulations, but the fact remains that every state requires motorcycle owners to carry at least a certain amount of bodily injury and property damage coverage.

Choosing the Right Amount of Insurance

It is not always easy knowing just how much insurance you will need to take out on your motorcycle. The best way to get started is to research your state's specific laws when it comes to motorcycle insurance. By visiting a website like, you can browse each state's minimum requirements and educate yourself on what they mean in terms of coverage. In general, it is always best to purchase as much insurance protection as you can comfortably afford.

Other Considerations

If you plan on having your new or used motorcycle financed in any way, you should also keep in mind that you will be responsible for purchasing full coverage insurance that includes collision and comprehensive coverage. This remains true until your loan is paid off and the bike is entirely in your name. Even then, you may want to keep the additional coverage as a way of protecting yourself from expensive repair costs in the event of an accident or other damage to your bike.

Saving on Motorcycle Insurance

There is no doubt that motorcycle insurance can be quite expensive, but there are plenty of steps you can take to score the best deal on a policy. Browsing for discounts, shopping around for quotes and keeping a safe driving record are a few good places to start. For more information on how to save on motorcycle insurance or to take a DMV practice test online, click here and select your state.