Motorcycle Insurance Phoenix (AZ)

AZ Coverage

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We feel that bikers shouldn’t struggle with excessively high monthly premiums. To get the lowest premiums possible, you’ll want to compare and contrast the insurance policies provided by rivalling insurers. Don’t hesitate to key in your zip code to begin looking at policies and premiums.

Liability Coverage for Phoenix Motorcyclists

This is required under Arizona law. It covers damages to persons or property due to an accident you cause. It doesn’t cover your own injuries or damages to your bike.

Collision Insurance for Motorcycles

This compensates you (the insured) for any damage sustained to your bike that is the fault of the insured driver. If you don’t have this coverage, you could be responsible for hundreds of dollars in damage to your bike.

Comprehensive Motorcycle Insurance

This pays for repairs if your bike is damaged from something other than a traffic accident. This might be as a consequence of natural disasters, arson or criminal damage. Basically, comprehensive helps protect you against most types of damage that aren’t the consequence of an accident.

Uninsured/Underinsured Motorist Coverage

Insurance against uninsured drivers comes strongly recommended for motorcyclists in Phoenix and the rest of Arizona. How come? Because almost 22% of Arizona drivers haven’t got coverage. Considering that automobile owners are quite often the culprit in collisions involving bikes, it is critical to look after your own self financially. Though supplemental coverage could elevate your Phoenix motorcycle insurance costs, it might well be truly worth the excess fees – specifically in case there is a personal injury.

Motorcycle Insurance Liability Limits

Arizona has legislation mandating the level of maximum liability coverage you have to maintain.

  • Bodily Injury Liability Limit for Individual: $15,000
  • Bodily Injury Liability Limit for All People in Accident: $30,000
  • Liability Limit for Property Damage: $10,000

Don’t forget that liability insurance is not going to safeguard the motorcyclist, the the motorbike, or passengers – just your legal exposure for damages or injuries suffered by third parties.

Motorcycle Insurance Quotes in Phoenix

Without considering a few important factors, it’s tricky to estimate what it will cost to insure a bike. By and large, bikers only think about the type of bike they own and their driving record, but factors like zip code, coverage limits, additional protections, and discount rates all have their place. Luckily, we work with many of the leading motorcycle insurance providers, who can provide offers and coverage on the internet.

All you have to do is submit your zip code to get started. After that you can start researching rates and policies from the insurers you want.

Custom Accessories and Parts Coverage

Beyond the conventional coverage such as liability and collision, you may need to have Custom Parts and Equipment Coverage (CPE). Custom parts and equipment coverage (CPE) will cover you in case of an incident that damages your handlebars or gas tank–really any aftermarket parts or accessories installed on your bike. Basically, it opens an avenue for the insurer to pay for any expensive specialty parts.

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