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UPDATED: May 25, 2020
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If you are looking for insurance for your motorcycle, car, or other vehicle, you’re in luck.
Finding affordable motorcycle insurance is easier than it has ever been before. Even a few short years ago, finding affordable insurance meant calling dozens of companies and waiting—sometimes days—for a quote.
Motorcycle insurance was often a point of frustration for many drivers because not every insurance company that provides car insurance necessarily sells motorcycle insurance.
Now, with the Internet, it is easy to determine which companies offer what type of insurance.
In fact, this makes it easy for finding insurance for all types of vehicles, from recreational vehicles to specialty vehicles, such as semi-trucks.
If you are in the market for new insurance, keep reading to learn more about the different types of insurance currently available.
Compare Insurance for your Motorcycle, Car, RV, Snowmobile, and More!
You may not realize it, but, with the exception of ATVs, motorcycles are the most stolen vehicles in the U.S. and in Europe.
In addition, your state requires you to carry the same minimum coverage on your motorcycle as they do if you are driving an automobile.
Interestingly, most insurance companies don’t differentiate between motorcycles when they are selling insurance. For example, a scooter, a dirt bike, and a cruiser all fall under the same motorcycle category.
The good news is, when you get a motorcycle insurance quote, you will pay less for a scooter than you would for a cruiser.
That is because even though each two wheel vehicle falls under the motorcycle category, your total quote will be based on the power of your engine.
If you drive a scooter with a 150cc engine, then your insurance is going to be much lower than if you drive a motorcycle with an 883cc engine.
The engine power will be one of the primary factors an insurance company will use to determine your motorcycle insurance costs.
Insurance for your motorcycle, car, and commercial vehicle are essentially the same in terms of the standard coverage that you can purchase. All three allow you to purchase liability, collision, and comprehensive.
How Insurance Differs Depending on Your Vehicle
One of the biggest differences with motorcycle insurance is that you can also purchase insurance to cover the accessories on your motorcycle.
For example, if you have a CB on your motorcycle, added storage, such as saddlebags, and parts such as chrome exhaust pipes, you can purchase coverage for these items.
With commercial insurance, you can often purchase coverage for the items inside of your work vehicle, such as tools. With auto insurance, you have to rely on your homeowner’s insurance to cover the cost of items in your vehicle.
There are also insurance options for your RV, snowmobile, and even your boat.
In some cases, such as with your RV, you are required to have insurance by your state. In others, like with a boat, buying insurance just makes good sense.
RV insurance is different from any type of insurance that you have purchased before.
That is because insurance companies recognize that some people may call their RV home, which is why you can purchase a combination of homeowner’s insurance and liability insurance for your RV.
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When you get a quote for RV insurance, you will have the option to choose total loss replacement insurance, which covers the loss of your RV and everything in it.
This is similar to collision insurance, except it covers the cost of your personal belongings as well as the actual RV.
Emergency expense coverage is much like roadside assistance.
Not only does emergency expense coverage cover the cost of towing your RV to the nearest mechanic, but it also covers your hotel accommodations and travel expenses while your RV is being repaired.
- Snowmobile coverage is interesting because you can’t purchase PIP (personal injury protection) from most companies. Instead, snowmobile coverage typically offers liability to others and collision insurance.
- Boat insurance is one type of coverage that many people forgo because it is not required in any state. However, you can get collision, liability, towing, personal property coverage and more. If your boat sinks, wrecks, or is stolen, boat insurance can help to cover your costs.
- Car insurance, of course, is required in every state and it is illegal to drive an uninsured vehicle. A majority of the states only require that you carry liability insurance, although a few also require you to carry PIP and uninsured/underinsured motorist coverage.
Most insurance companies offer the same options for car insurance:
- uninsured/underinsured motorist
Many also offer roadside assistance, rental reimbursement, and mechanical breakdown insurance.
Discounts for Motorcycle, Car, and Other Insurance Types
Getting a discount on your motorcycle insurance is important because motorcycle insurance tends to be more expensive than auto insurance.
The primary reason for this is your exposure to oncoming vehicles.
In a car, you are surrounded by protection. In some instances you may even have side door airbags for additional protection.
When you are on a motorcycle, it is just you and the object hurtling towards you.
The chances of you becoming seriously injured or even dying in a motorcycle accident far exceed the chances of that occurring in an enclosed vehicle. Even a minor fender bender can send you to the hospital.
You can get discounts on motorcycle insurance by:
- Taking certified motorcycle training courses
- Adding safety features like reflectors and anti-lock breaks
- Wearing protective clothing and a helmet
- Joining a Motorcycle club
- Maintaining a great driving record for a no claims bonus
Most other insurance types qualify for discounts the same way.
Taking training courses, ensuring your vehicle is safe, driving safely, and anti-theft devices will all help you get a discount on your vehicle insurance.
Naturally, some insurance companies offer more discounts than others, which is why it is important that you shop around.
Shopping Around for Motorcycle, Car, and other Insurance Types
No matter what type of insurance you need, you need to take the time to shop around.
Insurance companies offer a wide variety of prices for their services, and the cost of auto insurance at one company will vary from the next.
In some cases, you will find that the difference between companies only equals a couple of dollars.
However, you can sometimes save hundreds of dollars a year on premiums simply by comparing rates between companies.
When it comes to specialty insurance, such as RV, boat, and snowmobile, you will find that rates will vary even more between insurance companies because some companies write fewer of these types of policies than others.