{"id":912,"date":"2023-02-19T03:22:22","date_gmt":"2023-02-19T03:22:22","guid":{"rendered":"https:\/\/www.centinelainsurance.com\/?page_id=912"},"modified":"2025-06-10T17:14:40","modified_gmt":"2025-06-10T17:14:40","slug":"motorcycle-insurance","status":"publish","type":"page","link":"https:\/\/www.centinelainsurance.com\/?page_id=912","title":{"rendered":"Motorcycle insurance"},"content":{"rendered":"\t\t
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Motorcyle Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Choosing Your Motorcycle Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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In Neveda, the same mandatory insurance coverage rules for automobiles also apply to motorcycles. The minimum amount you need is $15,000 per person and $30,000 per incident.<\/p>

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.<\/p>

Read on to learn about the types of coverage you should consider when choosing motorcycle or auto insurance. Just click the button below to get your free quote<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Motorcycle Insurance Coverage Types<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Liability Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Collision Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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This is what 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 to repair or replace your motorcycle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Comprehensive Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Comprehensive coverage is what covers damages inflicted upon your motorcycles 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Uninsured or Underinsured Motorist Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Although uninsured and underinsured motorist coverage isn’t mandatory in Arizona, it is 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.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t

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Additional Policy Features<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Tips for Saving Money on Your Motorcycle Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Many factors can play a role in determining the cost of your motorcycle policy, such as being a graduate of a rider-training course, your age, your driving record, where you live, and the type of motorcycle you own.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Take a class<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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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<\/b><\/u><\/a> rider course. Graduates of this type, of course, may see 10 to 15 percent savings on their motorcycle policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Be a Good Driver<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Ask About Discounts<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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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.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Upgrade or Store your Ride<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Motorcyle Insurance Choosing Your Motorcycle Coverage In Neveda, the same mandatory insurance coverage rules for automobiles also apply to motorcycles. The minimum amount you need is $15,000 per person and $30,000 per incident. Depending on your needs and how much you are willing to pay for the motorcycle policy, you may want to supplement your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-912","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/912","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=912"}],"version-history":[{"count":10,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/912\/revisions"}],"predecessor-version":[{"id":1282,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/912\/revisions\/1282"}],"wp:attachment":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}