There’s nothing quite like riding on a motorcycle. The speed provides adrenaline while the wind that ripples against your chest and over your shoulders makes it feel like you’re flying. Motorcycle insurance protects everyone on the road, allowing you to enjoy the adrenaline rush with peace of mind. For those new to riding, consult the guide below before meeting with an agent. 

Questions to Ask When Purchasing Motorcycle Insurance

What’s the mandatory minimum for motorcycle insurance?

Alabama requires motorists to carry liability insurance in case of accidents. Motorcyclists must have a minimum of $25,000 for personal injury protection, $50,000 for bodily injury liability protection, and $100,000 for property damage. 

Alabama is an at-fault state. If you’re responsible for an accident, the liability plan will cover the property damage, medical bills, and legal fees. 

Should I carry more than the minimum?

In some cases, the minimum is not enough. If you’re at fault for an accident, the costs may exceed the liability plan’s limit. The victims may file a lawsuit, and the remaining total would have to be paid out of pocket. Extra liability protection will increase the plan’s limit, lowering your financial risk. 

How much coverage do I need?

Many bikers carry personal injury protection (PIP). In case of an accident, PIP will cover medical expenses, damages, and lost wages experienced by bikers and their passengers. 

Collision insurance will protect the bike if it’s damaged by an object or another vehicle, regardless of fault. Comprehensive insurance is related to it, providing coverage for vandalism, fire, or theft. 

There are drivers on the road who don’t have enough or any insurance at all. If they cause an accident, they may not be able to cover the cost of the damage. By having underinsured/uninsured motorist coverage, you will still recover some of the losses. 

How can I lower my premiums? 

Passing an accredited motorcycle safety course every few years will lower the policy’s premiums. 

Features like anti-lock brakes and anti-theft devices can also decrease rates, depending on the plan. 

By bundling home, car, and motorcycle insurance under one policy, drivers can save money. 

High-performance motorcycles with larger engines are costlier to insure. For new bikers, older touring models are reliable and have lower premiums. Established bikers with clean records are entitled to discounts even on high-performance bikes. 

Whether you’re just getting started with your first bike, or have a new one that needs coverage, reach out to Russell Insurance Agency in Robertsdale, AL. For over 20 years, their agents have provided customized motorcycle insurance plans. They work with their clients to get the most coverage for the least amount of money. For testimonials on their excellent service, visit their website. To schedule a free quote, call (251) 947-3607.