With our warm year-round temperatures and dry climate, it seems that anytime is a good time to be riding a motorcycle in Phoenix. Whether you hop on your Harley for a weekend road trip or use your bike for your daily commute, having the right motorcycle insurance is essential. At Smart Move Insurance, we understand the risks you take when you fire up your engine. Just like you customize your ride, we customize your insurance to provide all the protection you need for peace of mind in the miles ahead.
Types of Motorcycle Insurance Coverage
While we always hope for smooth roads ahead, you never know what kind of help you might need if the unexpected occurs. Your motorcycle insurance can include a broad range of coverage types, including:
How much could a motorcycle accident cost you? Everything. That is unless you have the right amount of liability insurance. When you get sued for the cost of a victim’s bodily injuries, lost income, pain and suffering, and property damages, your liability insurance helps pay the bill. It can even help cover your legal fees up to the limits of your policy.
Collision and Comprehensive
When your bike is damaged, your collision and comprehensive insurance can help pay the bill. Whether you lay your street bike down on the highway or your cruiser gets crushed by a falling tree, you can rest assured that you will be reimbursed for your losses minus the cost of your deductible.
Equipment and Parts
If you have personalized your motorcycle, you may need to consider extra coverage for after-market equipment you may have added. Likewise, talk to your agent about adding original equipment manufacturer coverage (OEM) if you wish to ensure your bike is repaired only with original parts produced by the manufacturer.
Towing and Roadside Assistance
If you are ever in need of a tow after an accident or find yourself stranded without enough fuel, look to your motorcycle insurance for help getting the assistance you need.
If you are the victim of an accident, the at-fault driver may be held responsible for your losses. If that driver is uninsured or underinsured, however, the financial burden may fall on you. With uninsured and underinsured motorist protection, you can have peace of mind that you are covered even against irresponsible drivers.
If you are involved in an accident, nothing should stand in the way of getting the medical care you need. This type of coverage helps pay for your medical expenses regardless of who is at-fault for the accident.
If your motorcycle gets stolen or you are in an accident far from home, your motorcycle insurance can help pay for your emergency lodging and food expenses. It can also help you pay for transportation to get you back on your way.
Save on Northern Phoenix Motorcycle Insurance
Why pay full price for motorcycle insurance coverage when you could be getting it at a lower price? At Smart Move Insurance, we work to uncover money-saving discounts that put cash back in your pocket. Examples of common discounts include:
- Motorcycle safety education discounts
- Safe rider discounts
- Claims-free discounts
- Multi-policy discounts