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 Get a Quote for Reasonable Bike Insurance Today!

Looking for low-cost bike insurance? Highway Insurance will get you excellent rates on bike insurance or scooter coverage.

Whether you’re riding your bike for pleasure or to save lots of cash on gas, knowing that you and your bike are protected with correct coverage can put your mind at ease.

 Get a motorcycle insurance quote online by getting into your postal code within the kind on top of it, or choose to speak to one of our insurance consultants. We provide competitive rates on the simplest bike insurance policies, despite what variety of bikes you ride.

 Discounts on bike insurance are also accessible for more mature riders. Ask a highway insurance consultant regarding discounts for insuring multiple motorcycles or scooters, finishing an Associate in Nursing approved bike coaching and safety course, or being a mature rider.

 Shield yourself and your investment with our wide selection of motorcycle insurance choices at nice rates.

How will bike insurance work?

The answer is very similar to insurance for a car. The policyholder decides how much coverage they require and how much they are willing to pay to purchase that coverage.

 The secret's to decide on bike insurance that you can afford, while at the same time ensuring you have got decent protection in the event of a crash or other incident, like a bike felony.

 The consultants at Highway Insurance will assist you in creating the correct selections.

Motorcycles are subject to the same constant insurance laws as other kinds of vehicles.

 Each state determines a minimum quantity of coverage that each driver on the road must carry to produce some financial compensation to those who are eviscerated or who sustain property injury in a very wreck.

 States have completely different needs, so confirm you perceive the laws of your state before heading out, feeling the wind in your hair.

How much will bike insurance cost?

The average rates for drivers United Nations agency square measure between twenty-five and sixty years old and opt for the essential liability coverage for a traveling bike, which is usually between $100-$500 annually.

 Yes, that's an outsized gap. That’s because rates vary widely from state to state, as well as from bike to bike and, of course, age plays a giant part.

For example, a 16–24-year-old traveler with full coverage on a sports bike is gazing rates of between $1,000 and $3,000. It's quite a jump!

As with all vehicle insurance, factors like age, driving history, and wherever you reside can impact your bike insurance price.

 Rates are often higher in hotter states as a result of additional folks square measure out riding their bikes and doubtless getting into wrecks and filing claims. States that have colder weather that limits bike riding to solely the most hard-core and customarily more mature riders can have lower rates as a result of fewer folks square measuring out riding for an outsized part of the year.

Younger drivers pay more than older drivers, even though their individual driving histories are constant.

As with all insurance rates, the state sets acceptable rates for every kind of coverage.

 These rates are non-negotiable. However, insurance firms have the power to make your mind up if a policy person qualifies for discounts and alternative evaluation factors that will lower their premium.

 It ought to be noted that insurance firms base these selections on many things, together with the length of time a person has been a client, as well as a driver’s past driving and claims record.

However, as compared to vehicle insurance, bike insurance is usually much cheaper – nearly [*fr1]. At Highway Insurance, we've got nice rates for all motorcycles.

What is covered in a very basic bike insurance policy?

 It depends on what quantity of insurance you decide on to hold and a few alternative things. Like insurance, basic state-required liability can cover another driver’s medical and property bills up to your policy limits if you're found to be guilty in an at-fault state.

 If you live in a very no-fault state (Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, ND, and Utah), your basic liability coverage pays for your own medical and property injury bills – up to your policy limits.

 Many insurance policies provide further personal injury protection (PIP) choices in states where it's not needed, typically at-fault states. States that measure no-fault states usually need some level of PIP.

 This coverage provides another level of medical protection for injuries you'll sustain in a very serious automotive accident. However, you'll realize as a traveler that you just can not get PIP as a result of the injuries sustained in a very serious bike accident.

 Of course, at Highway Insurance, we provide bike coverage choices together with bodily injury and property injury liability, comprehensive and collision, uninsured/underinsured, margin help, and more.

Bike Insurance and Helmet Laws within the U.S.

Some states require motorcyclists to prove they carry a decent quantity of insurance to ride without a helmet.

 As an example, Florida’s no-fault automotive accident policy doesn't apply to bike accidents, but solely to vehicles with four (4) or additional wheels.

 Therefore, albeit auto drivers should purchase PIP as a part of their needed insurance, bike riders don't have constant demand.

 You will realize there are many types of helmet laws within the U.S. and, in some cases, this could impact your bike coverage. Here’s a glance at the bike helmet laws by state: 

State	Motorcycle Helmet Law
Alaska, Arizona, Colorado, Connecticut, Hawaii, Idaho, Indiana, Kansas, Maine, Minnesota, Montana, New Mexico, North Dakota, Ohio, Oklahoma, South Dakota, Wisconsin, and Wyoming	17 and younger
Alabama, District of Columbia, Georgia, Louisiana, Maryland, Massachusetts, Mississippi, Nebraska, Nevada, New Jersey, New York, North Carolina, Oregon, Tennessee, Vermont, Washington, and West Virginia	All riders
Arkansas, Florida, Kentucky, Michigan, Pennsylvania, Rhode Island, South Carolina, Texas, and Utah	20 and younger
Delaware	18 and younger
Illinois, Iowa, New Hampshire	No law

Is My Ride Covered?

Freeway Insurance offers affordable insurance for every kind of motorcycle, bike, and motorbike, including:

• Custom Choppers
• Vintage Bikes
• Antique Motorcycles
• motorcycles twenty-five years old or older
• Cruisers
• Limited Production Cruisers
• Street Sport Bikes
• High-Performance Motorcycles
• Race Bikes
• Touring Bikes
• Super Bikes
• Sports Travel Bikes
• General Purpose Motorcycles
• Dual-Purpose or Enduro Motorcycles
• motocross and dirt bikes.
• Mopeds
• Scooters
• Trikes
• All-Terrain Vehicles (ATVs)
• Snowmobiles

Are There Discounts for Bike Insurance?

As with most kinds of vehicle insurance, there are discounts accessible to help lower your annual bike premium.

 Discounts are usually offered to long-standing customers who have an impeccable driving records. At Highway Insurance, we provide many discounts, including:

• Loyalty discount
• Multiple policies
• Mature, practiced riders
• Defensive and rider safety courses

By following some straightforward tips to keep your bike safe, you'll lower the likelihood of having to file a claim for a stolen bike.