4 Things to Know About Buying Motorcycle Insurance

Motorcycle coverage

The open road, wind in your hair, two wheels and a smile-worthy destination … or no destination at all. Is there any better feeling in the world? We don’t think so. The only thing you need to make your two-wheeled adventure better is the peace of mind that comes with knowing you’re properly covered with motorcycle insurance. Motorcycle insurance is required in South Carolina, and there’s more to getting coverage than just buying a policy. Here are four things you should know about motorcycle insurance before you buy.

  1. Don’t put yourself in danger with the cheapest policy 

Lots of bikers look for low-cost motorcycle insurance. But is a cheap motorcycle insurance policy really worth the risk? Insurance isn’t just about price. It’s about protecting you, your bike, your health, and your finances in the case of an accident. With a low-priced motorcycle policy, your coverage may not be enough to actually cover the cost of damage to your bike, another vehicle, or the medical bills that result from an accident.

As a biker, you already know that you’re more likely to incur severe injuries in an accident than the driver or passengers in a car or truck. Even a minor accident can result in hundreds of thousands of dollars in medical bills over the course of a hospital stay or long-term treatment. Don’t put yourself in danger. By opting for a low-cost motorcycle policy. Pay a little extra for better coverage, because if you need it, you’ll be glad you’re covered. Your financial future and your health depend on it.

  1. An umbrella policy is the extra layer of protection you need 

An umbrella policy kicks in if medical bills or damages exceed your original policy’s coverage. Even a high-dollar policy is in danger of not covering all the associated damages and repair bills if you end up in an accident with a vehicle carrying many passengers who are all hurt, for example, or you are involved in an accident with a luxury vehicle. Adding an umbrella policy to your motorcycle policy is surprisingly affordable, and it provides extra peace of mind so you can enjoy the open road without worry.

  1. You can save money in winter 

Even here in balmy South Carolina, most motorcyclists don’t ride in the winter months. If your bike is in storage instead of on the road for months of the year, you can usually save money on your premiums. Make sure to ask your South Carolina insurance agent to look for a policy that includes a price break for the winter months.

  1. Don’t cancel your policy in winter! 

Some South Carolina motorcyclists choose to cancel their insurance policies over the winter months in a bid to save money. Don’t! As mentioned above, you can find policies that give you a break on premiums over the winter and still provide coverage. Though you may not be riding in the colder months, your bike is still subject to damage from storms and theft. Make sure it’s covered.

Looking for motorcycle insurance in South Carolina? 

Edwards Insurance Agency in Taylors, S.C., helps bikers get the coverage they need to enjoy the open road worry-free. Contact us today, and let us help you find the right motorcycle policy today.