Motorcycles and scooters are unique vehicles with specific insurance needs. Unlike cars and trucks, your standard auto policy does not cover them. You will need a separate policy designed to help cover your potential liability for third-party property damage and injuries. This is crucial as it can provide financial protection in case of an accident where you are at fault.

Liability insurance pays only to the policy’s dollar limits. If you are at fault in an accident that causes more damage than your policy can cover, you may be personally responsible for paying the remaining damages.

In addition to liability coverage, depending on the value of your motorcycle, your agent may recommend comprehensive and collision coverage. Comprehensive coverage may help cover costs associated with damage from events such as theft, vandalism or natural disasters. Collision coverage may help cover repair costs if your motorcycle is damaged in an accident.

Factors Influencing Your Premium

Several factors can influence the premium of your motorcycle insurance policy, including your claims history and driving record and your motorcycle’s engine size.

While policies that include only the minimum required motorcycle liability insurance comply with state laws, this low amount of coverage may not provide appropriate financial protection.

Discounts and Safety Courses

Insurance companies often offer discounts to policyholders who are members of certain associations or have completed rider safety courses. These discounts can significantly reduce your premium while promoting safe riding habits. Ask your agent about any available discounts.

Seasonal Coverage

If you live in a region with distinct seasons and choose not to ride your motorcycle during certain months—like the winter—you might consider seasonal coverage. This type of coverage allows you to eliminate or reduce coverage during the months you’re not riding.

However, it’s crucial to reactivate your policy once the riding season resumes. With the return of pleasant weather, you must have appropriate insurance coverage when you start riding again.

Contact Us

For more detailed information on motorcycle liability insurance in Oklahoma or to get a quote, contact Metro One Insurance Agency in Tulsa, Oklahoma. Our experienced professionals are ready to help you find the coverage that best suits your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.