Motorcycle Insurance for First-time Riders: What to Look for in a Policy

Nothing beats the freedom and sense of adventure owning a motorcycle can bring. While you’ll want to invest in gear to protect yourself while you ride, you must also consider how to protect yourself and your bike financially. Just like auto insurance, motorcycle insurance can protect your finances in case of accidents, theft, or damage, but with unique considerations for the risks motorcycles specifically present.

What Does Motorcycle Insurance Cover?

Motorcycle insurance operates a lot like standard car insurance. Rates and policy details may differ, but motorcycle insurance typically includes the following coverages:

• Collision—This helps pay for damage to your bike from accidents.

• Comprehensive—This covers theft, vandalism, and some weather-related damage.

• Medical payments—This can assist with medical bills for you and your passenger after an accident, regardless of fault.

• Uninsured/Underinsured motorist—This can help in accidents where the other driver has insufficient insurance coverage or no coverage at all.

Additional Coverages to Consider

You may want to consider the following add-ons to your policy:

• Accessory coverage—This can help cover custom parts, helmets, and certain riding gear.

• Roadside assistance—This can help with towing and may help if your motorcycle breaks down.

You can also explore discounts, such as first-time rider discounts. Some insurers may offer reduced premiums if you take motorcycle safety courses. If you own a home or other vehicle, your insurer may offer discounts for bundling your policies.

Contact Us

Before you begin exploring the open road on your motorcycle, make sure you and your bike have the right financial protection in place. Contact T1 Insurance LLP in Dallas, TX today for a personalized quote that fits your specific needs and budget.