Motorcycle Insurance Athens (AL)

Alabama Coverage

Rates & Policies Online

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We’ve heard so many riders bemoan their excessive premiums. Would you like to save on insurance? We can help. We have partnered with a variety of top-rated motorcycle insurance providers. Enter your zip code to see which companies provide coverage in your part of Alabama, then compare premiums and coverage.

Motorcycle Liability Coverage

This component of your policy helps protect you from the risk of being sued for personal injury or property damage in an accident. Bear in mind, liability doesn’t protect your own motorcycle or medical costs.

Collision Insurance for Motorcycles

This covers damage sustained during a collision with another motor vehicle or object, no matter who is to blame for the accident. Just dropping your motorcycle in a parking lot can result in hundreds of dollars worth of damage, in which case this coverage could prove itself well worth the cost.

Motorcycle Comprehensive Coverage

This compensates you for damage to your bike that occurs as a result of something apart from an actual wreck. Examples include:

  • Theft
  • Weather
  • Fire

Some companies refer to this as Other Than Collision insurance.

Uninsured Motorist Insurance

Insurance against drivers without insurance comes recommended for motorcyclists in Athens. That is because almost 12% of Alabama motorists don’t have insurance coverage. Seeing as motorists are very often to blame in crashes with motorbikes, it is essential to look after yourself money wise. Though increased coverage can certainly raise your Athens motorcycle insurance monthly premiums, it could well be well worth the extra expense – above all in case there is a vehicle accident.

State Minimums For Motorcycle Insurance

Liability safeguards you money wise in case you’re judged at fault for injuries or destruction to a third party.

  • $25,000: bodily injury liability maximum for one individual getting injured in an accident
  • $50,000: bodily injury liability maximum for injuries to all people in one collision
  • $25,000: property-damage liability maximum for one accident

Remember that motorcycle liability protection is unable to cover you, the motorcycle, or any passengers. It just covers your legal liability for damage to other motorists, bystanders.

Athens Motorcycle Insurance Quotes

It is difficult to gauge the cost of insuring a bike without allowing for certain important variables. These include the type of bike you own, your coverage types and deductibles, your driving record, even your credit history.

Luckily, we work with many of the major motorcycle insurers, which can provide you with price quotes on the web. To begin, all you need to do is enter in your zip code. You’ll be able to start looking at rates and policies from the insurance providers you have chosen.

Athens (AL) Coverage

Rates & Policies Online

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Covering Your Parts and Accessories

If you own a custom bike, you should have Custom Parts and Equipment Coverage (CPE) and/or Additional Parts and Equipment Coverage (ACPE). Custom parts and equipment coverage (CPE) covers custom parts and performance upgrades bought on the aftermarket.

The coverage is not included in your collision and comprehensive protection, but it may have the same deductible. You want to consider this coverage if you enjoy upgrading your bike.