Finding the right motorcycle insurance to keep your ride safe on Alabama highways can seem like a daunting task, but it doesn't have to be difficult. If you find a variety of quotes on motorcycle policies, you can form a clear, overall picture of the perfect policy for your bike and your lifestyle. Whether you ride dirt bikes, choppers, sport bikes or classic cruisers, motorcycle insurance can protect your finances from the cost of accidents, theft, vandalism and other incidents.
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Motorcycle Accidents in Alabama
In AL, during the year 2011 alone, the Alabama Department of Transportation reported the following:
- 97 motorcycle-related fatalities
- 2,019 motorcycle crashes
- 1,438 injuries due to motorcycle accidents
Riders between the ages of 20 and 29 are statistically most likely to crash, while more experienced motorcycle operators in their early 40s are much less likely to experience an accident. If you are a younger motorcycle owner with less experience than other riders, you may find that your motorcycle insurance quotes will be slightly higher than what other riders might receive. You may be able to save on coverage by combining a motorcycle policy with other coverage you need like renters insurance or simply by maintaining a long, steady record of safe riding.
What Does Motorcycle Insurance Cover?
Motorcycle insurance protects you from the financial fallout of an accident, theft or claim against you. It can mean the difference between replacing your bike after an accident and walking away with no bike and a big bill.
Alabama requires you to have motorcycle liability coverage in order for you to ride your bike on the street. At the minimum, you must carry the following coverage:
- $25,000 in liability for one person's bodily injury
- $50,000 for all bodily injuries per accident
- $25,000 in property damage liability per accident
It may be a good idea for you to purchase more than the minimum liability coverage because a claim against you can quickly reach hundreds of thousands of dollars in settlement costs, court fees and legal defense fees. Any amount that exceeds your coverage must come out of your pocket and your future earnings. A good liability policy can pay most of these costs for you, depending on your coverage limits and the type of claim.
Besides the mandatory liability coverage, you may need some or all of the following coverage options for your motorcycle:
- Collision: This can help with the cost of repairing or replacing your bike after an accident.
- Theft: Motorcycles are easier to steal than most other vehicles, but theft coverage can help you get back on the road quickly if someone steals your bike.
- Uninsured motorist: If you are in an accident with a driver who lacks proper coverage, you may find it difficult to pay for repairs and medical bills after the accident. Uninsured motorist coverage can pick up the slack when the driver at fault lacks coverage.
How Much Does Motorcycle Insurance Cost in AL?
Quotes on motorcycle insurance can vary widely depending on coverage levels and types, so you will have to find one tailored to your unique situation. A local insurance agent can be a great source of information on customized rates and coverage. Insurance companies will base your quotes on many factors, including the following:
- Your age
- Your driving record
- Where you live
- What kind of bike you own
- How often and how far you usually ride
Get Affordable Motorcycle Insurance Quotes
You can find an independent Trusted Choice® agent right in your Alabama neighborhood. These agents work with many insurance companies and can shop around for the most affordable motorcycle policy for you. They can also offer honest advice about the coverage types and amounts that cover your unique risks as a rider.
Contact a local agent to get started on the right motorcycle insurance coverage.