Motorcycle Insurance Longmont (CO)

Has your motorcycle become too expensive to insure? Most every rider has confronted this same problem–steep premiums. Fortunately, we can help. We’ve teamed up with a wide array of leading motorcycle insurance carriers. Submit your zip code to see which companies provide coverage in your part of Colorado, then compare rates and policies.

Minimum Motorcycle Insurance for Longmont Riders

The state of Colorado has established the minimum coverage required for liability insurance. Liability coverage is coverage against legal liability to pay compensation and court costs where the insured has been found negligent in respect of injuries suffered by a third party or damage to his/her property. Your liability insurance coverage will need to meet or surpass certain minimum caps for bodily injuries to others and damages to third party property.

• For Injury to a Single Person: $25,000
• For Injury to Two or More Parties: $50,000
• For Property Damage: $15,000

If saving money is your #1 priority, simply getting insured up to these amounts will do the trick. However, bear in mind: liability insurance only protects you against damages or injuries for which you’re liable. What happens if an uninsured motorist collides with you and it’s their fault. For that, you need Uninsured Motorist insurance. To help protect your bike, you should have a comprehensive or full coverage motorcycle insurance policy.

The Cheapest Motorcycle Insurance in Longmont

Are you a budget-conscious biker?

Adopt these measures, and you will be on the way to more affordable rates.

• Take a class from the Motorcycle Safety Foundation.
• Be careful of traffic violations.
• Put a seasonal hold on liability and collision coverage during the winter.
• Steer clear of sport bikes if at all possible.

Motorcycle Insurance Rates in Longmont

Wondering how much insurance coverage is going to cost? That will be based upon a few important factors. Factors include the model of your bike, your coverage options and deductibles, your driving history, and more. Thankfully, we make it easy to evaluate rates and policies from various insurance companies.

Just type in your zip code to get going. You’ll be able to begin going over rates and policies from the insurance providers you choose.

Protecting Your Parts and Accessories

Beyond the conventional coverage such as liability and collision, you may need to purchase special coverage to cover your aftermarket parts and accessories. Custom parts and equipment coverage, often referred to as CPE, covers…

“Custom parts or equipment; devices; accessories; and any enhancements other than those installed by the original manufacturer that alter the performance or appearance of your vehicle and are permanent in nature.”

The coverage is not included in your collision and comprehensive insurance, but it often has exactly the same deductible.

This type of coverage is important when you’ve dropped more than $1000 on customizing their bike.