Motorcycle Insurance Montgomery (AL)

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Insuring a motorcycle shouldn’t break the bank, but certain companies offer more affordable coverage than others. Very often, it’s better to get your coverage through an insurer that serves riders. Simply enter your zip code, and we can match you with motorcycle insurance providers in your part of Alabama. Examine coverage options and premiums without having to throw your leg over the saddle!

Montgomery Motorcycle Liability Insurance

This is required for Alabama riders. It helps protect you in case you’re held liable for bodily injury or property damage in an accident. While it isn’t going to protect you or your bike, it may cover a pillion passenger. Be sure to ask your agent if you regularly carry a passenger.

Collision Protection for Your Bike

This covers damage to your bike in the event of a collision with another vehicle or stationary object. Given how expensive fairings and paint are to repair, collision coverage can save you big money in the end.

Motorcycle Comprehensive Insurance

This helps cover damages to your motorcycle from causes other than a traffic accident. Examples include:

  • Mother Nature
  • Theft and Criminal Damage
  • Fire and Flood

Some insurers refer to this as Other Than Collision coverage.

Uninsured Motorist Coverage

Coverage from drivers who are under-insured or have no insurance at all comes highly recommended for motorcyclists in Montgomery. Why? Because roughly 12% of Alabama drivers do not have any kind of coverage. Considering that motorists are more often than not in the wrong in accidents with motorbikes, you should try to safeguard yourself fiscally. Even though supplemental coverage can certainly raise your Montgomery motorcycle insurance premiums, it will probably be deserving of the increased cost.

Motorcycle Insurance Liability Limits

Montgomery AL Motorcycle Insurance
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Liability covers you in financial terms when you’re judged to be guilty for injuries or destruction to a 3rd party. Although lots of people don’t expect that a motorcycle could result in much harm, you would be surprised.

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

Keep in mind that standard motorcycle liability protection won’t take care of you, the the machine being ridden, or anyone riding two-up – only your legal liability.

Montgomery Motorcycle Insurance Rates

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Rates & Policies Online

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Wondering how much motorcycle insurance will cost? That will be determined by a few important factors. Variables include the model and make of your bike, the coverage types and liability limits you select, your driving record, even your credit history. Thankfully, we work with a lot of the popular insurers that insure riders in Montgomery, who can offer you rates and quotes online. When you type in your zip code, you’ll be shown a list of trusted motorcycle insurers in Montgomery. Find the insurers that you’re interested in, and review coverage and quotes.