Motorcycle insurance is designed to help prevent financial losses from accidents, damage or theft involving your bike. Even if you ride occasionally, staying insured keeps you legal and avoids significant financial risks if you’re involved in an accident.
5 Reasons to Insure Your Motorcycle
Occasional riders may think they can skip coverage, but that decision could lead to unexpected costs and complications. Here are some reasons to keep your coverage:
- Accidents can happen anytime—A quick trip to the store or a weekend cruise can lead to collisions or damage. Insurance may help cover those unexpected costs.
- Legal requirements still apply—Most states require liability coverage for registered motorcycles. Riding without it, even occasionally, can result in fines or having your registration revoked.
- Theft and vandalism don’t take days off—Your bike is vulnerable even when parked. Insurance may cover losses from theft, vandalism or damage while your motorcycle is stored or not in use.
- Medical bills add up fast—Medical expenses can be significant if you’re involved in even a minor an accident. Some policies provide coverage for injuries to you or your passenger.
- Financial protection for your investment—Motorcycles aren’t cheap. Insurance may help you avoid paying out of pocket for repairs or replacement if something goes wrong, regardless of how often you ride.
How To Lower Your Motorcycle Insurance Costs
If you seldom use your motorcycle, ask your insurer about mileage-based pricing. Many insurers offer reduced premiums if you ride fewer miles annually. During the off-season, you can switch to storage coverage. This keeps your motorcycle insured against theft, fire or other damage while not in use, without paying for full road coverage.
Get Covered Today
Explore motorcycle insurance options aligned with your riding habits. Contact Churchill Insurance today to get started.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.