Did you know that your automobile and motorcycle may not be covered under the same policy? Many motorists don’t realize that their motorcycle is not covered by their auto insurance and instead requires a policy of its very own.
There’s no one-size-fits-all policy when it comes to motorcycle insurance, so it’s important to consider your risks and coverage requirements. If you are a Georgia motorcyclist, take some time to understand your unique risks and how motorcycle insurance coverage can keep you safe on the road.
When you apply for motorcycle insurance, insurance companies will review your factors to determine your eligibility and coverage levels. Individual factors include:
- Driving record
- Credit history
- Your age and address
- Type of motorcycle(s)
- Number of drivers who will be using the motorcycle
Many motorcycle insurance policies provide coverage similar to what your auto insurance policy provides. This includes:
- Bodily injury
- Property damage liability
Because there are inherently more risks associated with driving a motorcycle than with a motor vehicle, you may also consider additional motorcycle insurance coverage options including:
- Medical payments
- Comprehensive and collision coverage
- Uninsured motorist coverage — Covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.
Depending on your eligibility and coverage amounts, you may also qualify for discounts that could possibly lower your premiums. These may include:
- Multiple policies with our company
- Safety courses that you may have taken
- Insurance on multiple motorcycles
So let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your Georgia motorcycle insurance to see whether you may qualify for one or more discounts.
At Gracepoint Insurance, we are a Georgia based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Georgia to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us at 678-224-9333 for a free, no-obligation quote.