With thousands of miles of scenic highway, Alaska provides unmatched magestic views for any motorcycle enthusiast. This is perhaps why the state has experienced significant increases in the number of motorcycle riders in the past few decades. Prior to hitting the road on your bike, finding an insurance policy that can protect you and your ride is vital.
Before you search for motorcycle insurance quotes, however, there are several factors to consider.
According to the National Highway Traffic Safety Administration:
As the statistics indicate, motorcycle accidents can be very costly, in terms of both monetary value and life. Even a minor accident can cause major injury. Obtaining motorcycle insurance can help pay for the rider's medical treatment. Because many parts of a motorcycle are exposed, it is also possible to cause extensive damage to your bike, even at low speeds. A motorcycle insurance policy can mean the difference between making swift repairs and waiting while you can afford to have your bike looked at by a mechanic.
Alaska state law may have more exemptions to its mandatory liability insurance requirements than any other state, but in many cities and towns, it is necessary to carry minimum standards in motorcycle insurance, which includes:
Failure to have the proper insurance may result in a suspension of a driver's license. Insurance is not required in areas where registration is not required, and that list of Alaska municipalities is quite extensive. Be sure to check with your local Department of Motor Vehicles to find out if you are required to carry motorcycle insurance.
No matter where you are located within the state, however, a rider who has received a ticket for a violation of six points or more within the last five years must have liability insurance.
Also keep in mind that you may need more coverage then the state's minimum standards.
Motorcycles come in various shapes and sizes, and you aren't wrong to wonder if your particular make and model is insurable. If you are able to register your motorcycle with your local Department of Motor Vehicles, chances are there is an Alaska insurance company that has a policy that meets your needs. The most common types of motorcycles insured in Alaska include:
Most Alaska insurance companies will offer you a variety of coverage options from which to choose as you build your motorcycle insurance policy, including:
As no two riders and their bikes are exactly alike, neither are any two motorcycle insurance quotes. The majority of Alaska insurance providers will take several factors into consideration as they calculate your insurance premium quote, including:
Some Alaska insurance companies will offer discounts for riders who take motorcycle safety courses and for those who bundle their motorcycle policy with their car insurance. Be sure to speak with a qualified agent who can advocate for these discounts on your behalf.
The last thing you want ruining your sweet Alaska ride on your cherry bike is whether or not you can afford an accident. Only a motorcycle insurance policy can give you the peace of mind to concentrate on the beauty unfolding before you.
Knowledgeable, independent insurance agents in the Trusted Choice network are always available to answer your questions, suggest coverage options best suited for you and your bike, and even assist you in filing a claim. These agents have years of experience working with Alaska insurance companies, enabling them to find you a number of quotes with only the best coverage options at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can obtain the perfect motorcycle insurance policy that meets your needs and budget.