The best time to purchase motorcycle insurance is right after you get your bike. Motorcycle coverage offers you protection against accidents, theft, breakdowns, and more. These tips from W.B. Adams Company can help you determine the scope and amount of motorcycle insurance to buy.
Consider Motorcycle Insurance Requirements in Oregon
Oregon requires that motorcycle owners carry liability insurance to cover damages of others in accidents they cause. This protects you from having to pay these damages out of your own pocket. A serious accident could deplete your savings if you had to pay for injuries or property damage independently. Before you hit the road, make sure you have this coverage.
Consider the Value of Your Bike
Protecting your bike is just as important as protecting others. Motorcycle collision and comprehensive insurance cover your motorcycle repairs after an accident. Collision insurance covers collision damage. Comprehensive insurance covers weather damage, damage from vandalism, animal strikes, and other non-collision events. It also covers the market value of your bike if it’s stolen.
If an uninsured driver hits your bike, uninsured motorist insurance covers repair costs, so you’re not stuck with high repair bills on your own.
Consider Your Riding Experience
If you’re a new rider, you may want as much coverage as you can get to protect yourself against the unexpected. As a new rider, you’re more prone to cause or be involved in an accident due to your lack of riding experience.
Your insurance coverage should also coincide with your lifestyle. If you only use your bike to ride to work or school in Beaverton, OR, you may not need as much coverage as someone who goes on extensive road trips.
For quality motorcycle coverage at affordable costs, call or visit W.B. Adams Company today. We service residents in Beaverton, OR, and surrounding communities.