Motorcycle Insurance Madison (AL)

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There is some nice riding in the Madison area, so don’t let steep insurance premiums get you down. We’ve joined forces with top motorcycle insurance companies to help you get insured at a rate you can afford. Our team has years of experience with the insurance market, and we have created relationships that help you insure your bike without emptying your wallet. Enter your zip code to see which companies are available in Madison.

Motorcycle Liability Insurance

As the most basic form of coverage, it helps protect you from the cost of being sued for personal injury or property damage in an accident. Keep in mind, liability doesn’t protect your own bike or medical bills.

Collision Protection for Your Bike: Necessary?

This sort of coverage is designed to pay for the repair or replacement of your bike in the case of an accident, regardless of the party at fault. Just dropping your bike in the garage can lead to hundreds of dollars of damage, in which case this coverage could prove incredibly valuable.

Motorcycle Comprehensive Coverage

This helps cover losses to your vehicle stemming from fire, criminal acts, or acts of God as opposed to an accident or vehicular collision. Some insurers refer to this as Other Than Collision insurance.

Uninsured Motorist Insurance

Coverage to protect against uninsured drivers comes strongly recommended for motorcyclists in Madison. How come? Due to the fact almost 12% of Madison motorists do not have coverage. Due to the fact motorists are all too often the culprit in accidents involving bikes, it is important to safeguard oneself in financial terms. While extra coverage can escalate your Madison (AL) motorcycle insurance prices, it will probably be worth the excess price tag.

Motorcycle Insurance Liability Limits

The state of Alabama has policies mandating the minimum level of max liability every Madison rider has to carry.

  • Bodily Injury Liability Limit for Single Individual: $25,000
  • Bodily Injury Liability Limit for All Parties: $50,000
  • Property Damage Liability Limit: $25,000

Don’t forget that motorcycle liability insurance cannot take care of the rider, the motorcycle, or passengers – only your legal liability.

Madison Motorcycle Insurance Quotes

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Rates & Policies Online

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It is difficult to predict the cost of coverage without considering certain variables.For example:

  • Type of Bike.
  • Driving History.
  • Coverage Type.
  • Coverage Limits.

The good news is, we work with lots of the leading motorcycle insurers, who can supply you with prices and policy information on the web. Just type in your zip code to get going.

Motorcycle Classes

We make it easy to insure most anything that rolls on two wheels, even three or four!

  • Supersports: No doubt, these can cost a king’s ransom to insure. Your age and driving history will have a deep effect on the cost of insuring your sport bike. Countless sport riders neglect to invest in more than the mandatory liability coverage, to help save some money. However, this isn’t advisable, as these machines can be very costly to fix because of their fairings.
  • Choppers and Bobbers: If you reside in Madison and your ride has a good many aftermarket parts or handmade modifications, you should think about Custom Parts and Equipment (CPE) coverage. Without coverage, the replacement of handmade or aftermarket parts aren’t protected in the event of an accident. Instead, you’ll be covered for the value of your bike in stock trim.
  • Scooters: Sometimes people forget to insure their scooters. Most of the time, this coverage is easy on the budget, and worth it.
  • All-Terrain Vehicles and Dirt Bikes: Insuring your dirt bikes isn’t just advisable, it’s a requirement on some public lands. Generally, coverage for these machines is more economical than for street bikes.