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May 10th, 2017

Motorcycle Insurance: How to Comparison Shop

There’s nothing like hitting the open road on a hog. With the wind in your hair and the journey to nowhere ahead of you, a motorcycle is a vehicle like none other.

Your bike means everything to you. Be sure you protect it, and your own health, every time you rev it up with motorcycle insurance that meets your needs.

Before you buy, take the time to gather several quotes so you can comparison shop. Here’s what you need to know.

Compare apples to apples

Arizona has specific motorcycle insurance requirements. When you’re comparison shopping policies, you’ll need to be sure that each policy features the same kind of liability coverage. In addition, the coverage must meet the state’s minimum requirements.

These 5 Insurance Tips for Arizona Residents will help you choose the best protection for you and your bike.


You may also want to consider these additional coverages for your motorcycle.

Collision coverage
If your motorcycle becomes damaged in an accident, the policy could help with repair costs, and maybe even replace the bike.

Comprehensive coverage
If your bike is damaged (from a covered peril like hail or vandalism) or stolen, this policy will help cover the costs.

Uninsured or underinsured motorist bodily injury coverage
This policy covers injuries if you get into an accident with a driver who is underinsured or uninsured.

Medical payments
If you’re injured in an accident, or your passenger becomes injured, this policy may help cover the expenses related to medical care, and additional costs associated with the incident.


Take a look at each policy’s limits, too. A “limit” is the maximum dollar amount that the policy will pay out for a loss that’s covered. It’s important that you at least consider higher-limit policies to ensure you’re fully protected.

Keep in mind that if you select a policy that has higher coverage limits, it’ll typically have a higher premium too.

Here’s what to look for.

Liability coverage
Motorcycle insurance liability coverage will generally meet these state minimums:

Bodily injury liability coverage limits:

  • $15,000 bodily injury coverage per person.
  • $30,000 bodily injury coverage per accident.

Property damage liability coverage limits:

  • $10,000 property damage coverage per accident.

Consider purchasing a policy that has higher limits than the minimum standards, as you’ll have to pay out of pocket for expenses related to bike damage or medical costs associated with injuries. Here are a few to consider.

Collision and comprehensive coverage
Some policy limits for collision and comprehensive coverage will meet the cash value of the bike.

Uninsured and underinsured coverage
More than 20% of drivers on the road purchase just the minimum amount required by law, which means that you could be face to face with a driver who doesn’t have good coverage.

Medical payments/personal injury coverage
You may be able to select your limits for this kind of coverage.


The last component you should compare is the deductible. For example, collision and comprehensive coverages will generally have a deductible, and you’ll select this amount upfront. If you get into an accident or your bike is damaged, the deductible is your share of the payment toward the claim, and this comes out of your pocket.

For instance, if the bike incurs $2,000 worth of covered damage and your deductible is $500, the insurance company will generally pay the rest, $1,500.

In general, the higher your deductible, the lower your monthly premium payments will be.

As you compare apples to apples when shopping for motorcycle insurance, be sure to evaluate policies with the same liabilities, limits and deductibles and work with an expert so that you fully understand the risks and benefits associated with each coverage.

Do you compare policies before buying motorcycle insurance?