Nothing beats the feeling of bringing home a motorcycle. Whether you go with a Harley Davidson Hog that rumbles down the street or you pick a sleek Suzuki, you’ll love it every time you slide onto the seat. To protect yourself against accidents, you need to make sure that you drive defensively and have insurance.
Massachusetts has laws about how you can obtain a motorcycle license and also has requirements for your insurance. MAPFRE helps you find a policy that matches state requirements and one that gives you the right amount of coverage.
What insurance do you need to ride a motorcycle in Massachusetts?
Massachusetts requires at least $20,000 coverage for bodily injuries that affect one person and $40,000 in coverage for injuries that affect two or more people. Body injuries can include concussions and broken bones along with scrapes and bruises.
Motorcyclists living in the Bay State also need $5,000 in property damage coverage. You might hit the road on a cloudy night and find that rain starts falling before you get home. The slick roads can lead to accidents where you slide and hit a mailbox. Your insurance will usually cover damage that you do to a person’s property like hitting that mailbox. This is the bare minimum of coverage however and if the damage you caused exceeds these amounts, you may be on the hook for paying the rest of the claim. Carrying lower levels is a balancing act as you may pay less for your insurance, but you need to balance that with the risk and make sure you have enough to cover beyond the state minimums if you ever are in an at-fault accident.
How can you save on Massachusetts motorcycle insurance?
The cheapest motorcycle insurance in Massachusetts comes from companies that offer the lowest amount of coverage. Collision coverage is an option you can add to your policy that covers any type of collision and for new motorcycles that you purchase through a bank loan, you may be required to include collision coverage. It comes in handy if you worry about someone without insurance wrecking your bike. There are also comprehensive policies that offer the most protection for you, but they are more expensive plans.
Checking the rates from different companies is the easiest way to get cheap Massachusetts motorcycle insurance. MAPFRE works with insurance agents from all around the Bay State. They will work with you to find a policy that meets your protection needs and your budget. It’s easy to compare those rates to make sure you get the right amount of coverage and the best deal.
MAPFRE motorcycle insurance products include policy coverages that are perfect for motorcycle owners and riders in communities across Massachusetts. You can check out all of those coverages and add-ons to see what fits your budget as you look at how to get reasonably priced motorcycle insurance in Massachusetts.
One way to get motorcycle insurance is by contacting your existing auto insurance company. Many car insurance companies also offer motorcycle insurance.
You could also look for motorcycle safety courses in your area. These courses are available in different Massachusetts communities and teach you how to drive safely and defensively to prevent accidents. Many insurers like MAPFRE offer discounts to riders who complete at least one of those courses.
To compare motorcycle insurance rates in Massachusetts and get all of the motorcycle coverage you need at an affordable price, contact an independent MAPFRE agent today!