Motorcycle Insurance Decatur (AL)

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Interested in a new insurance policy on your bike? Rates are based on a wide array of factors:

  • Type of motorcycle.
  • Age of motorcycle.
  • Miles ridden each year.
  • Where you store your motorcycle.
  • Your age and driving history.

Because premiums can vary noticeably between insurers, it’s better to comparison shop.

Minimum Motorcycle Insurance: Decatur

The state of Alabama has put in place minimum liability limits for motorcyclists. Liability coverage reimburses other motorists for injuries or property damage resulting from an accident. The state has published the minimum liability limits for which you must be covered. There are 3 minimum liability thresholds specified:

Decatur AL Motorcycle Insurance
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  • $25,000: Liability Coverage for Personal Injury of a Single Party in an Accident
  • $50,000: Liability Coverage for Personal Injury to All Parties in an Accident
  • $25,000: Liability Coverage for Damage to Property

Remember, these are merely the minimum requirements. When you need the most cost effective motorcycle insurance in Decatur, merely getting insured up to these thresholds is what you want, but many riders go with more coverage than the state minimums. Why? The Insurance Research Council 12% of Alabama car owners aren’t insured. You may want to consider Uninsured Motorist coverage to ensure that you will still be covered if the other driver isn’t insured.

Minimizing Your Motorcycle Insurance Premiums

Insurance rates can be extremely high, especially if you own a sportbike or V-twin cruiser. There are a number of ways to trim your monthly premiums.

  • Go through a Motorcycle Safety Foundation course. This can get you a discount of up to 20%.
  • Steer clear of tickets. Control that throttle–citations can increase your rates substantially.
  • Get a lay-up policy. With such a policy, you won’t have to pay as much during the winter months.
  • Avoid high-risk bikes. Sport bikes, and especially those in the 1000 cc class and larger, are the most costly motorcycles to insure.

Decatur Motorcycle Insurance Rates

Without allowing for a number of factors, it’s tricky to estimate the cost of insuring a bike. These include the type of bike you ride, the extent of your coverage, your driving history, even your credit score.

If you want to determine how much your monthly premiums will be, you’ll want to provide some of this data. The good news is, we can help you do this online. When you submit your zip code, you’ll see a list of respected motorcycle insurance companies in your area. Find the insurers that appeal to you, then answer a few questions to start comparing policies and rates.

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