If you’re interested in beginning motorcycle riding as a hobby or mode of transportation, there are several steps you need to take before hitting the road. To ensure that you are covered in the event of a crash or collision, invest in an adequate motorcycle insurance policy. Since this type of insurance can vary from person-to-person, consider the following questions to ask an agent before you purchase a policy.

What to Ask Before Buying Motorcycle Insurance

How much coverage do I need?

In the state of Alabama, motorcyclists are required to carry a policy with at least $50,000 in bodily injury liability per person, $100,000 in bodily injury per claim, and $25,000 in property damage per claim. It’s important to remember that these minimum requirements may not be enough to cover all of the damages in the event of a wreck. There are other kinds of coverage to consider adding, like towing and labor, collision, and trip interruption. A knowledgable agent will explain all the available types and make recommendations for their total amounts based on your particular situation and how you plan to use the motorcycle. 

What if my bike is stolen?

Unfortunately, motorcycle theft is relatively common. Because of their compact size, bikes are a lot easier to steal than standard passenger vehicles, but they can yield just as much money when stripped and sold for parts. As such, you may also want to add comprehensive coverage to your policy. While not required by law, it will provide the funds needed to replace your bike in the event of non-collision losses, like theft and storm damage. 

Am I eligible for any discounts?

Most carriers offer a wide range of discounts to their loyal customers. For example, if you purchase your motorcycle insurance from the same provider who supplies your auto or coverage, you may be eligible for a bundling discount. Completing an approved riding course could also result in lower premiums, as could purchasing a bike with various safety features, like anti-lock brakes. 

For affordable motorcycle insurance, turn to Russell Insurance Agency. Based in Robertsdale, AL, this agency has been serving clients throughout Lower Alabama for more than two decades. With a commitment to providing unparalleled customer service, they help individuals secure comprehensive policies at competitive rates. To request a quote for motorcycle insurance, reach out on their website or call (251) 947-3607 today to schedule an initial consultation.