Site icon MotoFotoStudio

Motorcycle Insurance Rates – What You Need to Know

If you own a motorcycle, shopping for a motorcycle insurance policy doesn’t have to be a difficult or time consuming process. Lots of  insurers worldwide deal specifically with providing motorcycle insurance policies, and whether you need coverage for your Harley Davidson or the latest sport bike, there’s a motorcycle insurance policy out there you can tailor to your needs.

Are you new to riding a motorcycle? Not a problem. Many insurers readily offer coverage to people with a ‘no-claims’ history. As with regular car or auto insurance, the generic types of motorcycle insurance policy are:

Sport Bike Insurance

If you dig the thrills of a fast ride, sport bike insurance can be just what you need to cover you when you’re out tearing up the asphalt.

Basic coverage packages will include issues related to your sport bike only, but you can also include your helmet and leather gear, roadside assistance coverage and health coverage too. It’s a good idea to contact an insurer directly as often they’ll tailor a policy by manufacturer.

Scooter Insurance

If you’re navigating your way through the urban jungle and the proud owner of a scooter, don’t sweat it, there’s an insurance policy out there for you. Scooter insurance can be one of the cheapest  policies available, so there’s little excuse not to make sure you’re covered.
By applying on-line, over the phone or via a face-to-face with a local broker,  you’re just a few simple questions away from getting the coverage you need. As with sport bike insurance, you can not only insure your motorcycle but also your helmet and apparel. If you ride a lot of miles or commute, don’t forget to  consider roadside assistance coverage and medical coverage.

Electric Bike Insurance

It’s a new genre, and electric bikes are now at the point in development when they offer a viable alternative to gasoline-powered bikes. They’re kind to the environment, and they may well be the wave of the future.

Getting the right motorcycle insurance policy for your electric bike is simple – and relatively cheap. There are a range of specialty insurers on-line who deal with insuring electric bikes, so if you can’t find one or your exact bike is not covered when you check online, speak directly to a broker about how to proceed.

Harley Davidson Insurance

You’ve got some nice American Iron? Then you, my friend, are in luck. There are insurers who deal specifically with insuring Harley Davidson bikes and riders. Whether you own the latest model or a classic version of this iconic brand, you can find a package tailored to your needs. Most  insurers will offer you coverage if your bike isn’t going to be used for rallying, competitions or rented out.

Don’t ride a Harley? Have no fear, mon frere, specific insurance policies for other popular bikes by manufacturer are also readily available on-line.

Here in the US of A, coverage depends on which state it is that you reside in and varies widely from insurer to insurer.

Each state has a different minimum level of coverage required by law, so the insurer you approach to take out your coverage will be well aware of the basics for your state and can advise accordingly.

So how do you apply for a motorcycle insurance policy? It’s a very straightforward process, and all the insurer needs to know is the following:

Pretty simple. Provide the above information you’re on your way to getting a motorcycle insurance quote or motorcycle insurance policy.


Whether you ride a sport bike or an American cruiser, your insurance needs can get complicated.

We’re here to help you find the right motorcycle insurance, whatever you ride…

Tips for buying your motorcycle insurance, coverage you need:


Exit mobile version