Motorcyclists: Be Prepared and Protected

Summer is around the corner and thoughts of riding around town on a motorcycle may have crossed your mind.

Whether you just bought a motorcycle or are a veteran rider, you might have a few questions about protecting your bike. What's liability insurance?  Do I need Comprehensive insurance?  How do I make sure my custom chrome is covered?

Here are some tips that can help you navigate your motorcycle insurance policy and feel confident you've made the decision that's right for you.

Pick the Right Motorcycle Insurance

First, determine how much motorcycle insurance you're required to have. Most states require liability insurance, which covers you if you cause an accident injuring another person or damaging someone's property.

When picking your liability limits - the maximum an insurance company will pay in the event of that type of claim - a good rule of thumb is to review your car insurance and buy a policy with similar limits and deductibles, according to the experts at market-leader Progressive.

Once you choose liability limits, you may want to add motorcycle insurance protecting your bike. Collision covers damages from accidents while Comprehensive covers damages caused by incidents like fire or theft. If you buy Collision or Comprehensive, you'll need to select a deductible, the amount you'll have to pay out-of-pocket if you have a claim. Be sure to pick an amount you can afford.

Insure Custom Parts

If you've added some serious chrome to your bike, gotten a custom paint job, or installed a GPS, consider adding accessory coverage. For example, Progressive usually includes $3,000. in accessory coverage when your purchase Comprehensive or Collision coverage. You can buy more motorcycle insurance coverage if you need it.

You've bought the bike of your dreams, and you’re going to need motorcycle insurance immediately to protect it. There's no sense in taking chances, so that’s why it’s a good idea to have your insurance options in place before you even go shopping. The professionals at Rose Insurance Agency can help you sort it all out right now. There are a variety of tailor-made motorcycle insurance policies available, including coverage for:

• Bodily injury liability
• Property damage liability
• Medical payments
• Uninsured motorist bodily injury and property damage
• Other than collision
• Collision
• Custom parts
• Roadside Assistance

Rose Insurance Agency

At Rose Insurance Agency, we take motorcycles as seriously as you do. Rev up your savings today by completing the Motorcycle Quote Request Form listed above right now. No matter what you own - a sport bike, cruiser, standard, touring bike, or a sweet custom ride - you can turn to us for great rates and the best coverage. Enjoy the freedom of the open road – get covered by Rose Insurance Agency today!