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Powersports
Some bike owners look for the cheapest options only, but motorcycle insurance requires you to get your coverage right. Norman Bell Agency can guide you through securing a policy that may even add to your driving experience.
What are powersports vehicles?
Powersports are a subset category of motorsports which generally include vehicles such as motorcycles, all-terrain vehicles (ATVs), utility vehicles (UTV’s) snowmobiles, personal watercraft (PWC’s), and scooters.
So what about motorcycles?
Motorcycles themselves are typically less expensive to insure than cars since they cost less to buy, maintain, and repair. It’s important to note, however, that insurance rates for your bike depend on the types and amounts of coverage you select.
For example, since bikes offer less protection in an accident than cars, coverages like personal injury protection and guest passenger liability can be more expensive for a motorcycle rider.
How much does it cost to ensure a motorcycle?
There are many factors that go into the cost of motorcycle coverage. Factors include the state you reside in, your riding history, and the types of coverage you want. Contact us and one of our knowledgeable representatives can walk you through the details.
Factors that affect the cost of your powersport vehicle insurance costs.
Your insurance score...
You probably have a good idea of your current credit score. But did you know you also have an insurance score? This score correlates to your likelihood of filing an insurance claim. Higher insurance scores typically contribute to lower motorcycle insurance premiums, though this varies by provider.
Also, keep in mind that while your credit score impacts your insurance score, it’s not the only factor. Carriers also consider your accident history, claims behaviors of your neighbors, and insurance history.
The coverages you want...
Aside from Florida and New Hampshire, every state requires powersport vehicle owners like you to carry liability insurance for bodily injury and property damage. Beyond that, it’s up to you to choose the coverages that make sense for you.
Call one of our experienced representatives today to guide you through the powersports vehicle insurance buying process!