Motorcycle Insurance Dothan (AL)

We take pride in helping motorcyclists like you get the best policy and most competitive monthly premiums possible by performing online comparisons of rival motorcycle insurance companies. Enter your zip code to see which insurers serve riders in Dothan.

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Minimum Motorcycle Insurance: Dothan

Alabama has established the minimum coverage required for liability insurance. Liability coverage is insurance for what the policyholder is legally required to pay because of bodily injury or property damage caused to other people. Your liability insurance will need to satisfy or surpass certain minimum limits for personal harm to others and losses to 3rd party property.

  • For Injury to a Single Person: $25,000
  • For Injuries to All Persons: $50,000
  • For Property Damage: $25,000

If cutting costs is your number 1 goal, simply getting insured up to these thresholds is your best option. However, keep in mind: liability insurance only protects you against losses for which you are to blame. What happens if you are hit by a motorist who is uninsured? To protect yourself, you need Uninsured Motorist insurance. To protect your bike, you need full coverage or comprehensive motorcycle insurance coverage.

Decreasing Your Rates

Are you a cost-conscious rider? There are several options.

  • Sign up for a Motorcycle Safety Foundation class. This can get you a discount of as much as 20%.
  • Steer clear of tickets. This is common knowledge, but it still bears mentioning.
  • Get a lay-up policy. With such policies, you won’t have to pay much during the cold months of winter.
  • Avoid high-insurance bikes. Sport bikes can be incredibly expensive to insure.

Dothan Motorcycle Insurance Quotes

Your rates are determined by a number of variables. For example:

  • Make/Model of Bike.
  • Driving History.
  • Coverage Type.
  • Degree of Coverage.

The good news is, we work with most of the leading motorcycle insurers, which can provide premiums online. To get going, just type in your zip code. After that you can start reviewing rates and policies from the insurance carriers you choose.

Dothan Coverage

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Covering Your Parts and Accessories

For anybody who rides a highly modified bike, you may need to purchase added coverage to cover your custom accessories and parts. Custom parts and equipment coverage, otherwise known as CPE, is an add-on to your policy that covers custom parts and equipment ordered from third-party manufacturers.

The coverage is separate from your collision and comprehensive insurance, but it often has the same deductible. In essence, you need it to protect your high-priced aftermarket parts.