Casa Grande Motorcycle Insurance
Arizona is one of the most popular locations for a long motorcycle ride. With its year-long warm temperatures, mostly dry weather, and beautiful scenery through winding roads, it’s no wonder that the Grand Canyon State is a bucket-list destination for many motorcycle enthusiasts.
Before taking advantage of this prime biking location, it is wise to ensure that you and your ride are road ready by being properly insured. This includes carrying the state minimum requirements and additional insurance that protects your pocket and interests.
Here is some information about motorcycle insurance for residents and visitors of Casa Grande, AZ.
Arizona Motorcycle Insurance Requirements
In Arizona, the same mandatory insurance coverage rules for automobiles also apply to motorcycles. The minimum amount of insurance you must carry for your motorcycle is $15,000 per person and $30,000 per incident in liability coverage.
Depending on your needs and how much you are willing to pay for the motorcycle policy, you may want to supplement your liability with additional coverage. Keep in mind that there are separate deductibles for many of these different insurance types and that most policies only pay to replace factory parts. So if you have upgrades or add-ons like custom paint, or chrome parts, you may want to have those covered additionally.
Read on to learn about the types of coverage you should consider when choosing motorcycle or auto insurance.
Motorcycle Insurance Coverage Types
This is what covers another person’s bodily injury and property damage caused by you in an accident. This type of insurance won’t cover you or your motorcycle. Whether or not any passengers you have with you are covered depends on the policy.
In Arizona, you will often see the minimum requirements for liability written as 15/30/10. This means your insurance company will pay $15,000 minimum per passenger injured, $30,000 per incident total, and $10,000 for property damage sustained.
Comprehensive coverage is what covers damages inflicted upon your motorcycle that aren’t caused by a collision with another vehicle or a stationary object. For example, if your motorcycle was damaged in a fire or vandalized, you would pay a deductible and then your comprehensive coverage would pay for the repairs.
This is the coverage that covers damage to your motorcycle if you get into an accident with another vehicle or a stationary object, like a tree or light pole. If you make a claim and it is accepted, you will pay a deductible and then your collision insurance will cover the cost of repairing or replacing your motorcycle.
If you or a passenger is injured, it is important to carry medical payment coverage otherwise you could be left with a hefty medical bill. Motorcyclists are more likely to incur serious injury if involved in a crash than standard vehicle crashes because there aren’t safety features such as a metal frame, seatbelts, airbags, etc. Consequently, it is of the utmost importance that motorcyclists carry insurance that would cover significant medical payments and/or enhanced injury protection if a catastrophic event occurs.
Uninsured or Underinsured Motorist Coverage
Although uninsured and underinsured motorist coverage isn’t mandatory in Arizona, it isAlthough uninsured and underinsured motorist coverage isn’t mandatory in Arizona, it is advisable to have it. Considering that an estimated 1/3 of drivers on our roadways in Arizona are either uninsured or underinsured, it is best if you are insured and well-protected. Uninsured motorist coverage will pay for any medical bills that aren’t covered by your health insurance if you are injured in a motorcycle accident with an uninsured driver. This coverage also kicks in when the driver at fault has a liability policy, but not enough to pay for all of the damage caused.
advisable to have one. Considering that an estimated 1/3 of drivers on our roadways in Arizona are either insured or underinsured, it is best if you are insured yourself and well-protected. Uninsured motorist coverage will pay for any medical bills that aren’t covered by your health insurance if you are injured in a motorcycle accident with an uninsured driver. This coverage kicks in when the driver at fault has liability policy, but not enough to pay for all of the damage caused.
Additional Policy Features
In addition to the aforementioned major policies, motorcyclists often opt to carry add-on policies to cover themselves and their vehicles. A few of these policies include replacement cost coverage as opposed to actual cash value to ensure that your motorcycle is replaced in full at what it costs now, not what it would cost with depreciation. Also, most policies cover OEM parts replacement, but you may need to purchase an additional policy to cover custom parts or accessories. Roadside assistance and rental reimbursement are also smart add-ons to choose from in case you have a breakdown or need to have your bike in the shop for repairs for an extended period.
Tips for Saving Money on Your Motorcycle Insurance
Many factors play a role in determining the cost of your motorcycle policy. These factors include your age, your driving record, where you live, and the type of motorcycle you own. These considerations have the potential to increase or decrease your rates. But there are also actions you can take to help lower your rates.
Take a class
If you have had an accident in the past or are under the age of 25, it may be a good idea to take a Motorcycle Safety Foundation rider course. Graduates of this type, of course, may see 10 to 15 percent savings on their motorcycle policy.
Be a good driver
If you maintain a driving record free of violations and accidents, your premiums won’t spike and may even become lower over time, depending on the company you are insured through.
Ask about discounts
Sometimes you can get a discount for being a member of an organization like the American Motorcycle Association or the Honda Riders Club of America. Some companies also offer a multi-bike discount. Also, if you’re over the age of 25, you should be able to pay less for a motorcycle policy than someone younger.
Upgrade or store your ride
Remember that the type of motorcycle you have, how old it is, how often you ride it, and where you store it can also affect your monthly premium. If your bike has older parts that are expensive to replace, you may pay more for your premium. Likewise, if you find that you aren’t riding as much as you used to, you might be able to get a discount if you report that your bike is parked and stored.
Get Started on Your Motorcycle Insurance Quote
At Gebhardt Insurance Group, we are here to make sure you are safely insured on the road. Our role is to shop around for discounts to help you find the best value available. Call us now or get your free quote online!