Motorcycles are a lot of fun, but riding one entails a lot of risk. A motorcycle accident can be devastating. Here in Oregon, motorcycle safety is taken very seriously.
In recent years, steps have been taken to make riding on our roads less risky. Riders of all ages must wear helmets. Beginning in 2015, skills courses for new riders of all ages became compulsory as a condition of obtaining a motorcycle license. These measures have helped cut down on the injuries and fatalities related to motorcycle accidents in the state. Another important way to manage the risk of riding a motorcycle is to carry the right insurance.
Motorcycle insurance is an absolute necessity when you purchase a bike. Most states, including Oregon, require that riders carry liability insurance at a minimum. However, motorcycle owners should explore insurance options carefully.
The pricing of a policy will depend on several factors including the type of bike owned, how often it is used, and the driving record of the rider. The insurance industry offers plenty of options for insurance. It is possible to customize a policy to fit very specific needs.
What Insurance Is Available?
There are a lot of options when it comes to motorcycle insurance. Liability insurance provides coverage for injuries or damage caused to others. It does not provide coverage for injuries to the policy owner, or damages to the motorcycle.
Collision coverage is for damages to the motorcycle that were caused by an accident. Comprehensive coverage is a good supplement to this. Comprehensive coverage provides for damages not caused by an accident. Fire, vandalism, and theft are examples of other causes of damage.
Finally, there is an option for riders to cover themselves if they have a collision with an uninsured person. Uninsured/underinsured coverage is a good insulator against the risk of suffering damages at the hands of someone who either didn't have insurance, or didn't have enough insurance to cover the damages. In Oregon, uninsured motorist coverage is required.
What Type of Insurance is Needed?
The best insurance is the policy tailored to fit the rider's needs. The type of bike and lifestyle of the rider both need to be taken into account. The pricing of a policy will vary with the age of the bike and that of the rider. The frequency of use and driving record of the rider will also be taken into account along with other factors.
There are plenty of examples of how this works. One is a seasonal, or lay-up, policy. Riders living in a cold climate can sometimes only safely ride their bikes during part of the year. With a lay-up policy, everything but comprehensive coverage can be suspended during the off season.
Before purchasing insurance, it's important to be clear about use and needs with the agent or broker. Discussing issues beforehand can prevent a great deal of regret in the future.
Asking questions carefully is a good way to determine what coverages are the best fit. This is true for both the agent and the customer. There are no "stupid" questions. If something needs to be clarified, clarify it!
Find out what options are available. It is very possible to find cheap motorcycle insurance that can fit a rider's needs, however important coverage should not be sacrificed to obtain a lower premium.
Motorcycle Insurance Quotes In Portland and beyond
In Portland, Beaverton, Oregon and beyond, turn for motorcycle insurance quotes to Fox Insurance. Here at Fox Insurance Agency, we strive to be the agent of choice in the area. As an independent agency, we represent several large and reputable companies. We can present riders with quotes for their specific needs.
With so many options available, we can help find the right policy for each rider. Cheap motorcycle insurance policies are available for riders on a budget. There are often discounts available with policies, and we will make sure you know about them. Contact us today. We would be happy to discuss your motorcycle insurance needs.
The information in this article was obtained from various sources and is not all inclusive regarding the subject matter. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.