Common Mistakes People Make When Purchasing Motorcycle Insurance

Purchasing motorcycle insurance is a crucial step in ensuring your safety and protecting your investment. However, here at Roark Insurance Agency, serving Flatwoods, KY, we’ve seen people make several common mistakes that can lead to inadequate coverage or unnecessary expenses. And we want to help you avoid them.

Here are some of these mistakes and insight on how to avoid them:

Underestimating Coverage Needs

Start by assessing your specific needs. Consider factors like your riding habits, the value of your bike, and potential risks. Ensure your policy provides sufficient coverage for bodily injury, property damage, and underinsured/uninsured motorist protection.

Neglecting Accessory Coverage

Many riders customize their motorcycles with accessories, but these are often overlooked when purchasing insurance. Opt for a policy that includes accessory coverage or consider adding an endorsement to protect your aftermarket additions.

Ignoring Discounts and Bundle Options

Insurance companies offer various discounts for safe riding records, completing safety courses, and bundling policies. Take advantage of these discounts to reduce your premiums while maintaining robust coverage.

Not Comparing Quotes

Don’t settle for the first insurance quote you receive. Shop around, compare rates, and evaluate the coverage offered by different insurers. It’s the best way to find a policy that suits your needs and budget.

Schedule A Consultation Today

Avoiding common mistakes when purchasing motorcycle insurance is essential to ensure you have the right coverage at a reasonable cost. By understanding your coverage needs, considering accessory protection, exploring available discounts, and comparing quotes, you can make a well-informed decision that keeps you and your motorcycle well-protected on the open road. When you need to purchase a new motorcycle insurance policy in the greater Flatwoods, KY region, the team at Roark Insurance Agency would love to help. Call us now.