Motorcycle Insurance Tucson (AZ)

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Regardless of whether you want to insure a new bike or find a more affordable policy for your existing one, we can help. Motorcycle insurance rates are driven by a multitude of factors:

  • Style, age, and displacement of the machine.
  • Miles you ride per year.
  • Whether it’s kept in a garage.
  • Your age and driving history.

Rates vary drastically from insurer to insurer, so it’s best to shop around. We can help.

Motorcycle Liability Coverage

This pays any medical expenses or property damage for which you are held at fault. Although it won’t cover you or your machine, it may cover your passenger if you have one. You should definitely ask your agent if you ride with a passenger.

Collision Insurance for Motorcycles

Unlike liability coverage, which covers damage to other vehicles or property, collision coverage helps protect your own bike. Just dropping your motorcycle in the driveway can end up costing you several hundred dollars, in which case this coverage could be crucial.

Motorcycle Comprehensive Coverage

This helps pay for damage to your motorcycle that occurs as a result of something aside from an actual collision. Examples include:

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

This is sometimes called Other than Collision coverage.

Uninsured/Underinsured Motorist Insurance

Coverage from drivers without insurance is highly recommended for bikers in Tucson and the rest of AZ. How come? Because approximately 22% of Arizona road users lack insurance coverage. Seeing that motorists are more often than not to blame in wrecks with bikes, it is critical to protect your own self monetarily. While supplementary coverage may raise your Tucson motorcycle insurance quotes, it could well be very well worth the excess expense.

Motorcycle Insurance Coverage Guidelines

The state of Arizona has laws outlining the total amount of liability you will need to have. Frequently, you will see these guidelines stated as three usd amounts, similar to $15,000/$30,000/$10,000. The first couple of sums are minimum coverages for personal injury liability. The first is for a lone person in an automobile accident, the other for all individuals combined. The final number is maximum liability for damage to property.

Please remember that basic motorcycle liability coverage fails to safeguard you, the the machine being ridden, or a passenger – just your legal exposure for injuries to other individuals or property in a vehicle accident.

Motorcycle Insurance Rates in Tucson

Motorcycle insurance premiums vary widely based on an array of factors. By and large, bikers only think about the type of bike they own and their driving history, but variables like zip code, types of coverage, liability limits, extra protections, and discounts all have their place. If you want to gain an accurate idea of what your rates will be, you will need to supply some of this data. Thankfully, we can help you do this on the web. Just submit your zip code to begin.

Parts and Accessories Coverage

After standard comprehensive, collision, and various medical payment insurance policies, you have to have Custom Parts and Equipment Coverage (CPE). Custom parts and equipment coverage, otherwise known as CPE, covers both performance upgrades such as aftermarket exhaust systems and suspension, in addition to cosmetic upgrades like custom fairings, tail sections, windshields, and paint.

Basically, it opens an avenue for the insurer to pay for all of those expensive custom parts.

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