When you purchase a motorcycle for your transportation in Tucson, AZ, just like owning a car, you’ll need liability insurance to protect the other drivers on the road. The state sets motorcycle insurance minimums, required by state law, just like auto insurance.

State Required Coverage

Right Choice Insurance and Taxes offers both the liability insurance policies that the state requires of each bike owner and the comprehensive, collision and roadside assistance coverage you need to protect your bike and finances. In Arizona, each bike owner must carry at least the following liability insurance coverage:

• bodily injury coverage in the amount of $15,000 per person per accident,
• bodily injury coverage in the amount of $30,000 total per accident,
• property damage coverage in the amount of $10,000 per accident.

Those coverages protect the other drivers, bikers, and pedestrians on the road by paying for their medical care and repairs to their bikes if you cause an accident that harms them or their property.

Adding Coverage to Protect Your Bike

While liability reimburses the others on the road in the event that you cause an accident, collision and comprehensive coverage will reimburse you for damage to your own ride. Collision covers you if you damage your bike in a single-vehicle accident. Comprehensive covers you if a natural hazard, such as hail, fire, falling branches, etc., damages your motorcycle.

Make the Right Choice

Arizona doesn’t give you an option of whether to purchase motorcycle insurance, but you do get to choose where you buy it. Contact our team of insurance experts at Right Choice Insurance and Taxes in Tucson, AZ for the motorcycle insurance coverage you need to protect your finances and your bike.

Anyone who has ever been in a motorcycle accident will tell you that they are no joke. Even a minor fall can result in serious injuries and extensive damage to your bike. That’s why motorcycle insurance is so important. Not only does it help to cover the cost of medical bills and repairs, but it also offers peace of mind in knowing that you’re protected in the event of an accident. Right Choice Insurance and Taxes in Tucson, AZ provides you with this guide on navigating motorcycle insurance.

3 Things You Didn’t Know About Motorcycle Insurance

1. There Are Different Types of Coverage

Just like there are different types of motorcycles, there are also different types of motorcycle insurance coverage. The most basic type of coverage, liability, will protect you in the event that you are found at fault for an accident. This type of coverage is required in most states. If you want additional protection, you can add on collision and comprehensive coverage, which will cover the cost of repairs to your motorcycle in the event of an accident.

2. Minimum Coverage May Not Be Enough

The minimum amount of motorcycle insurance coverage required by most states is usually not enough to fully protect you in case of an accident. This is because the minimum coverage limits are often too low to cover the cost of medical bills and repairs. If you have a loan on your motorcycle, your lender will likely require you to carry full coverage, including liability, collision, and comprehensive coverage.

3. You Can Insure Your Passenger

If you frequently ride with a passenger, you can purchase coverage that will protect them in the event of an accident. This type of coverage is called passenger liability, and it can help to cover the cost of medical bills and other expenses incurred by your passenger.

If you have a motorcycle, it’s important to ensure that you have the right insurance coverage. At Right Choice Insurance and Taxes in Tucson, AZ, we can help you find the perfect policy for your needs. Call us today to get started.

Motorcycle insurance is not required in all states, but depending on where you live, you may need to provide proof of insurance. In addition, if you are found at fault for a motorcycle collision, you could be held responsible for the damages. If you own a motorcycle in Tucson, AZ, Right Choice Insurance and Taxes wants to share with you some frequently asked questions and answers.

How Exactly Does Motorcycle Insurance Work?

A motorcycle insurance policy is very similar to a standard auto insurance policy. You will pay a monthly premium and file a claim if an accident occurs. You will be responsible for the deductible, and then the insurer will pay for the damages up to the policy limits.

Are There Additional Coverage Options?

It is a good idea to invest in collision insurance. This type of insurance coverage will protect your bike in a number of circumstances. In the event your motorcycle is totaled, this coverage will also pay for it to be replaced. Due to the fact that there are so many motorcyclists on the road without insurance coverage or not enough coverage, consider investing in underinsured and/or uninsured coverage.

You should also consider comprehensive coverage. This type of insurance coverage will provide protection when there is an incident that involves vandalism, theft, wind, water, or fire. There is also medical payment coverage. This type of insurance coverage will help pay for any medical expenses you incur after a collision.

If you have purchased a motorcycle recently in Tucson, AZ and need help determining the most appropriate motorcycle insurance coverage for you, sit down with us at Right Choice Insurance and Taxes. We can help you examine your lifestyle and driving habits, as well as your budget, and figure out a policy that works for you.

Most Tucson, AZ residents who purchase motorcycle insurance are not conversant with what they are buying. Unluckily, it’s after the worst strikes they realize they aren’t cushioned against specific perils. Ensuring that you and your motorcycle are safeguarded involves more than just safe riding techniques, but the secret is arming yourself with the right motorcycle insurance. 

Whether you ride a vintage bike, cruiser, custom chopper, or cruiser, Right Choice Insurance and Taxes can help you purchase motorcycle insurance that suits your riding style, budget, and other needs. But before buying coverage, here are facts that every Tucson, AZ rider should know even as they purchase motorcycle insurance.

Motorcycle insurance is mandatory in Arizona.

Motorcycle insurance in Arizona is legally required, and you must produce proof of insurance before registering your motorcycle. Hitting the roadways of Arizona devoid of insurance attracts dire consequences and penalties like fines and license suspension. Besides, if you are liable for an accident, you have to pay for medical costs and repair costs out-of-pocket. 

State-mandated minimum insurance is never adequate.

Complying with the state-required motorcycle insurance minimums is vital, but it doesn’t safeguard you and your bike optimally. Mandatory insurance is tailored to protect other parties, not you and your motorcycle. It’s, therefore, prudent to consider other motorcycle insurance options to enjoy well-rounded protection.

There are money-saving discounts available.

The affordability of any insurance coverage you choose is the most critical parameter when considering various available options. Some motorcycle insurance plans offer versatile discounts. Ensure that you discuss the available discounts with an insurance agent when shopping for an insurance plan.

Your insurance company can cover roadside assistance

Some motorcycle riders are unaware that motorcycle insurance provides roadside assistance coverage when your bike breaks down unexpectedly away from home.

Motorcycle insurance can cover your gear too.

When you are involved in a crash, your bike is not the only thing that suffers damages. Sometimes, your helmet, gear, or special equipment gets damaged too, and it’s expensive to replace or repair. In light of this, you can consider a special equipment coverage add-on to protect your riding gear.

Buy motorcycle insurance today!

Are you shopping for motorcycle insurance in Tucson, AZ? Request a free motorcycle insurance quote today at Right Choice Insurance and Taxes. This way, you will get peace of mind, knowing that you and your motorcycle are well safeguarded.