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Riding a motorcycle without insurance is never a smart idea, regardless of where you live. Unfortunately, insuring a motorcycle can be really expensive. With that being said, we believe that riders should not need to pay overpriced monthly premiums. If you want the lowest possible rates, you need to review the insurance coverage made available from competitive insurance companies. Please make sure to enter in your postal code to start searching rates and policies, or study further down to understand the details of motorcycle insurance in Huntsville, and the rest of Alabama.
Coverage Types for Huntsville Motorcyclists
When you’re thinking of Huntsville motorcycle insurance, there are a variety of assorted types of protection from which you can choose.
- Liability Coverage: This part of your insurance policy covers damages or injuries to another individual or property due to an accident you cause. Even though it doesn’t protect you or your machine, it may cover a pillion passenger. You’ll want to ask your agent.
- Collision Coverage: Unlike liability coverage, which may cover harm to other vehicles or property, collision coverage helps protect your own machine.
- Comprehensive Coverage: This pays to repair your bike if it’s damaged in some way other than a collision. Examples include:
- Natural Disaster
- Theft and Vandalism
- Fire and Flood Damage
This is also known as Other Than Collision coverage.
- Uninsured/Underinsured Motorist Coverage: This helps you pay the bills linked with a collision caused by a driver who is uninsured or underinsured. Given the surge in uninsured drivers of late, this is well worth the additional cost.
For bikes that are financed or leased, a comprehensive policy is usually a requirement.
Motorcycle Insurance in Huntsville (AL): Guidelines
Alabama has policies mandating the level of maximum liability you have to maintain. Very often, you will see these liability thresholds posted as 3 usd figures, along the lines of $25,000/$50,000/$25,000. The first 2 figures are bare minimum thresholds for bodily injury liability. The initial one is for only one man or woman in an automobile accident, the second for all individuals overall. The last amount is property damage liability.
Don’t forget that basic liability coverage doesn’t necessarily offer protection to the motorcyclist, the bike, or a two-up rider. It just covers your legal exposure for injuries to third parties.
Huntsville Motorcycle Insurance Rates
There are lots of factors that help determine the cost of motorcycle insurance. For example:
- Type of Motorcycle.
- Driving Record.
- Coverage Type.
- Coverage Limits.
The good news is, we make it easy to examine policies and rates from a variety of highly regarded insurance companies. Just enter your zip code to get going. Determine which insurers appeal to you, then explore premiums and policies.
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Sportbike Insurance in Huntsville
If you live in Huntsville and own a sportbike, you already know that they are the most expensive class of motorcycle to keep insured. That’s because, statistically, they are more dangerous than other types of bikes. Your driving history will have a huge effect on the cost of your policy. Premiums drop significantly with age. If you are making payments on your bike, you will probably be required to have both collision and comprehensive. Go here to learn more about insuring a sportbike.
Insuring Your Scooter
Consider insuring your scooter, whether you have to or not. Generally, the rates are very affordable, and those few extra dollars could save you hundreds and hundreds if you’re involved in a major accident. Liability coverage is often all you need.
ATV, UTV, Dirt Bike Coverage
If you ride off road, please consider an insurance policy for your dirt bike or all-terrain vehicle. The fact is, quite a few trail systems require that you show proof of liability, in case you injure another rider while on the trail or in the woods. You may want to call your local off-road parks to see whether they require coverage.
Huntsville Custom Bike Insurance
Huntsville has a a good number of custom bikes. If you have done significant custom work on your bike, consider insurance to protect your investment, aka Custom Parts and Equipment coverage. Normally, this is bikes that have at least $1000 in modifications. Without coverage, the replacement of aftermarket or custom parts will not be covered if you’re in an accident. Instead, you will only be paid out on the value of your stock bike. You can keep reading about custom bike coverage in this article.