For most people, the idea of motorcycle insurance conjures up images of high premiums and sky-high deductibles. However, the truth is that motorcycle insurance can be both affordable and comprehensive. Daniel Carinici Agency LLC debunks the five common myths about motorcycle insurance.
Motorcycle Insurance Coverage: What You Need To Know
Myth 1: Motorcycle Insurance Is Too Expensive
This is one of the most common misconceptions about motorcycle insurance. The truth is, motorcycle insurance can be quite affordable – especially when you compare it to the cost of repairs or medical bills in the event of an accident. Premiums vary depending on several factors, such as the type of motorcycle you own, your riding history, and the coverage you choose. However, there are ways to save on motorcycle insurance, such as by bundling it with other types of insurance, such as your auto or homeowners policy.
Myth 2: Motorcycle Insurance Is Only for Accidents
While motorcycle insurance provides coverage in the event of an accident, it also offers protection from several other risks. For example, many policies will cover damage caused by weather events, such as hail or windstorms. Additionally, some policies will also cover theft and vandalism.
Myth 3: All Motorcycle Insurance Is the Same
This is simply not true. There are many policies available, and each one offers different coverage options. For example, some policies may only cover damage to your motorcycle, while others may also provide coverage for medical expenses and property damage. It’s important to evaluate your needs and choose a policy that provides the right level of protection for you.
Myth 4: My Auto Insurance Policy Covers My Motorcycle
This is a common misconception, but it’s important to understand that auto and motorcycle insurance are two separate types of insurance. One covers cars, and the other covers motorcycles. While some insurers may offer a discount if you bundle your auto and motorcycle insurance policies, it’s important to understand that they are not the same.
Myth 5: You Don’t Need Motorcycle Insurance If You’re a Safe Rider
This is simply not true. While safe riding habits are important, they cannot prevent all accidents. Insurance is there to protect you in the event of an accident, no matter who is at fault.
Get Motorcycle Insurance in Pittsburgh, PA
Motorcycle insurance is not as expensive or difficult to understand as many people think. It is important to do your research and understand the different types of coverage available in order to choose the policy that is right for you. Daniel Carinici Agency LLC in Pittsburgh, PA can help you find the perfect motorcycle insurance policy for your needs and budget. Give us a call today to get started.
