Insuring your bike shouldn’t cost a fortune, but some companies cater to riders, and some don’t.
You might want to be insured by an insurer that serves motorcyclists. Just enter your zip code, and we can connect you with motorcycle insurers in Phenix City.
Examine coverage options, rates, and secure coverage in minutes.
Liability Coverage for Phenix City Motorcyclists
This component of your policy covers property damage and bodily injury caused by you in an accident. Even though it doesn’t cover you or your motorcycle, it may protect your passenger if you’re riding two-up. You’ll want to ask your agent if you carry a passenger on a regular basis.
Collision Coverage for Your Bike
If your bike is wrecked or destroyed a collision, this type of coverage will generally pay to repair your bike or buy a new one. With how expensive plastics and paint are to repair, this coverage can help you save a bundle in the long run.
Motorcycle Comprehensive Coverage
This helps cover losses to your bike from fire, criminal acts, or acts of God rather than a traffic accident or vehicular collision. Basically, comprehensive helps pay for most forms of damage that aren’t the result of an accident.
Uninsured/Underinsured Motorist Insurance
Insurance from motorists lacking insurance comes strongly recommended for bikers in Phenix City and the rest of Alabama. That is because close to 12% of Alabama drivers do not have insurance. Due to the fact car drivers are oftentimes responsible in accidents involving motorcycles, it is necessary to take care of your own self in financial terms. Even though supplementary coverage may likely elevate your Phenix City (AL) motorcycle insurance payments, it may well be well worth the greater price tag.
Motorcycle Insurance Coverage Guidelines
Alabama has rules outlining the total amount of max liability coverage you are required to have.
- Bodily Injury Liability Limit for Single Individual: $25,000
- Bodily Injury Liability Limit for All: $50,000
- Property Damage Liability Limit: $25,000
Bear in mind that motorcycle liability coverage fails to take care of you, the the machine being ridden, or any passengers. Nope, it just covers your legal liability.
Motorcycle Insurance Quotes in Phenix City
There are lots of factors that help determine how much you pay for motorcycle insurance.
Some basic bike and rider information is really needed to estimate your rates.
The good news is, we work with many of the best insurers that cover riders in Phenix City, and they can provide you with quotes and rates online.
When you enter your zip code, you’ll see a list of reputable motorcycle insurance companies that cover motorcycles in your part of Alabama.
Then you can begin reviewing rates and policies from the insurance companies you select.
Custom Accessories and Parts Insurance
After the conventional liability, collision, and comprehensive coverage, you may need to carry supplemental coverage to protect your aftermarket accessories and parts.
Custom parts and equipment coverage (CPE) is a supplement to your policy that covers custom parts and performance upgrades acquired from third-party manufacturers.
The coverage is separate from your collision and comprehensive protection, but it may have exactly the same deductible.
You need to consider this coverage if you like modifying your bike.