Summer weather is finally here and many of us have pulled our motorcycles out of the garage. Before we hit the ground running this season, there are a few house-keeping items like checking the fluids, cleaning off any dust/debris, and making sure you have the proper insurance coverage.
What does motorcycle insurance cover?
Just as you have options when insuring your car, you also have options to insure your motorcycle even though it’s a seasonal vehicle. Accidents can happen at any moment and your insurance will help cover costs from collision damage, medical payments, theft, and more!
What are some of the basic coverages you should have?
Bodily Injury Property Damage Liability
Bodily Injury Liability coverage pays for damage caused to another vehicle, property, and injuries to other drivers and their passengers. In the event you’re sued, this also helps pay for the legal expenses.
Comprehensive & Collision
This coverage will help pay to repair or replace your motorcycle if someone steals it, or it’s damaged from weather, falling objects, etc. You’ll choose your deductible (the amount you pay out of pocket) before your insurance company picks up the rest of the cost.
Personal Injury Protection
There is very limited medical coverage on motorcycle policies.
This coverage helps protect you if someone who doesn’t have insurance coverage hits you. They may pay out of pocket for damages caused, but if they can’t, your insurance coverage kicks in and helps cover the cost.
Learn more about motorcycle coverage options here.
What is the average cost of motorcycle insurance in Michigan?
The cost of motorcycle insurance coverage can vary. You could pay anything from $100 to more than $1,000 a year.
Everything from state factors to regional factors, the type of bike, and the driver can affect the cost of your insurance. Make sure to talk to your Compass Insurance Agent to find out what insuring your bike will cost YOU!
Does Michigan require you to have insurance?
YES. See the State Requirements HERE.
What do I do with my motorcycle insurance when I put it in storage after the summer season?
You don’t want to completely take insurance coverage off your motorcycle when you store it after the summer season ends. What if a tree falls on your garage and damages your bike? You want to make sure you’re covered for the unexpected. As a result, talk to your Compass insurance agent about comprehensive coverage for your motorcycle garaging. This way, you are protected against theft, fire, or weather damage but don’t have to worry about full coverage since it’s not on the road.
How Much Can Compass Insurance Agency Save Michigan Motorcycle Owners?
The great thing about insuring through Compass Insurance Agency (CIA) this summer is that we can easily price compare through 17 different companies. We find you the best coverage at a rate you can afford. To see how much you could save, call one of our agents today or fill out this short form!