Allstate Motorcycle Insurance Covers Your Bike

2007-03-08 10:33:40

( Automobiles )



Insurance coverage for your motorcycle is similar to personal car insurance. The problem is that most insurance companies view motorcycles as risky and prefer not to insure your motorcycle. This makes it difficult to get reasonable motorcycle insurance or cheap moped insurance.

Fortunately, some insurance coverage is offered, like Allstate motorcycle insurance. If you want to save on your motorcycle insurance or want cheap moped insurance, you can opt to purchase liability insurance only.

With Allstate motorcycle insurance, you can also add the usual optional coverages like comprehensive, collision, uninsured motorist, guest liability, and medical payments.

If you live in an area where there are many uninsured drivers, you should consider adding uninsured motorist coverage. Actually, you will find this coverage more important for your motorcycle than for your car. Unfortunately, this is expensive under a motorcycle policy because of the types of accidents to which motorcycles are susceptible.

Often, a vehicle can brush your motorcycle without the other driver knowing about it. The resulting injury to you becomes an uninsured motorist claim because the other driver will very likely never be identified. (Hit-and-run accidents are covered under uninsured motorist coverage.) But if your bike is parked at the time, your collision coverage will come into play.

If you ride with a passenger, make sure the passenger is covered. Allstate motorcycle insurance refers to this as guest liability coverage.

Allstate motorcycle insurance also offers premium discounts if you have taken a motorcycle safety foundation riding course, have a good driving record and have a motorcycle club membership.

Like most insurers of vehicles, Allstate motorcycle insurance would prefer to write policies for mature, experienced drivers who live far from city centers and keep their bikes in a garage. Preferences like these are important, only because insurance company preferences are reflected in their rates.


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