Whether you have purchased a brand new hog right off the manufacturer's line or you're cruising in your trusty '89 Honda along Connecticut's beautiful country roads, motorcycle insurance is just about as important as wearing a helmet. Finding a motorcycle insurance policy that is sufficient for your unique needs, while also meeting your budget goals, can be tricky. Before you search for motorcycle insurance quotes, there are a few things to keep in mind.
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CT Motorcycles 101
- Between 40 and 60 motorcycle riders die due to crashes on Connecticut streets and highways each year.
- Motorcyclists are involved in more than 1,500 accidents every year in this state.
- More than 1,100 injuries result from such crashes.
- The majority of motorcycle accidents happen during peak rush hour times between 7 and 9 a.m. and 4 to 6 p.m.
- While traffic fatalities have decreased among drivers of cars and trucks during the past decade, fatalities among motorcycle riders have stayed the same, and in some cases, even increased. This could be due to the fact more Connecticut residents are riding bikes than ever before.
- Nationwide, the economic burden from crash-related injuries and deaths in one year alone totaled $12 billion.
Why Is Motorcycle Insurance Important?
Connecticut requires motorcyclists to carry minimum liability insurance on their bikes, and, as the statistics above prove, not carrying insurance can be quite costly if you cause an accident that leaves another person injured or damages property. Liability limits should be set as high as you are comfortable setting them whenever possible - that way, you can be prepared if you're taken to court after an accident you cause. Liability insurance covers your legal responsibility for accidents you cause. It also covers court costs and legal fees in a lawsuit situation.
With the average cost of a new motorcycle hovering around $14,000, your motorcycle is an investment you would rather not see parked indefinitely while you wait to afford repairs following a collision. Liability insurance won't help you if you're in a collision and need to repair your bike. For that reason, it might be a good idea to look into collision insurance and uninsured/underinsured motorist coverage. Additionally, comprehensive, or "other than collision" insurance can help you recover financially if your bike is damaged by a fallen tree, a severe storm or other events. If you are still paying off the loan you used to purchase your motorcycle, your lender may require you to carry a certain amount of collision and/or comprehensive insurance. Be sure to check with them to find out their stipulations.
You're only legally required to carry liability insurance, but most motorists carry more insurance than that, for obvious reasons. It's a good idea to talk with an insurance professional about your needs, riding habits, and your bike to make sure you've got the coverage that will give you peace of mind and optimal financial protection.
What Kind of Motorcycles Can You Insure?
According to Connecticut State Law Title 14, Section 14-286, a motorcycle is a motor vehicle, with or without a sidecar, having not more than three wheels in contact with the ground, and a saddle or seat on which the rider sits or a platform on which the rider stands. This includes bicycles with a motor attached, except bicycles propelled by means of a helper motor (moped), but does not include a vehicle with a completely or partially enclosed driver’s seat and a motor that is not in the enclosed area.
Insurance companies in Connecticut can find a policy for any of the following types of motorcycles:
- Dirt bikes
- Sport bikes
- Touring motorcycles
- Dual-sport motorcycles
- Scooters, underbones and mopeds
What Does Motorcycle Insurance Cover?
A basic motorcycle insurance policy will only cover your liability in the event you cause an accident while operating your bike.
A more comprehensive policy will cover some or all of the costs associated with damage to your bike.
You can customize your policy to cover the following:
- Full replacement coverage: to pay the cost to repair or replace your bike if a covered event results in damage or destruction
- Comprehensive coverage: to pay for loss or damage due to causes such as weather damage, damage from animals or vandals, and motorcycle theft
- Medical payments coverage: to pay for treatment in the event that you require hospitalization or medical care
- Uninsured/underinsured motorist coverage: to compensate you in the event that another driver is at fault in an accident and does not have adequate insurance to pay your costs
- Accessories coverage: to pay for damage or loss to your gear and upgrades such as transport trailers, sidecars, custom exhaust equipment and safety apparel like chaps and helmets
When deciding what you want your motorcycle insurance to cover, find a balance between acceptable risk and affordability.
What Type of Motorcycle Insurance Should You Get?
That depends on the type of bike you own and how you plan to use it. If you own a fast bike such as a racing bike or a supersport motorcycle (also known as a “crotch rocket”), your bike will be more expensive to insure. These motorcycles are lightweight yet extremely maneuverable, making them a lot of fun. Those same aspects make them more dangerous than other types of motorcycles. Crotch rocket riders have a greater risk of serious injuries as well as potential incidents that cause injury to others.
If you plan on racing dirt bikes for fun, you may want to consider increasing your coverage as well. The close-quarters racing and crowded tracks can put you at greater risk of injury, damage to your bike and an increased risk of causing injury to a competitor or damaging someone else’s equipment.
On the other hand, if you only use your motorcycle on the weekends during Connecticut's beautiful summers, you may be safe with a less comprehensive policy. Some insurance companies also offer seasonal policy options so you do not have to carry insurance on your bike during the winter months when it sits in the garage.
What Does Motorcycle Insurance Cost?
The bad news is, because of crash statistics, motorcycle insurance quotes tend to be higher than those for car insurance. The good news? Motorcycles don't cost nearly as much to fuel.
The cost of motorcycle insurance varies widely. If you have a small Harley that you use for commuting and have a blemish-free driving record, you may pay a few hundred dollars a year. On the other hand, if you are a male under 25 and you are buying a crotch rocket or an accessorized chopper, you may pay thousands of dollars each year in premiums.
Ask your Connecticut insurance company for quotes based on the following types of discounts on motorcycle insurance:
- Clean driving record discount
- Motorcycle safety course completion discount
- Multiple-policy holder discount
- Motorcycle club or association discount
Find Affordable Motorcycle Insurance Fast
You could spend hours combing the Internet for motorcycle insurance quotes or you could let a knowledgeable TrustedChoice.com independent insurance agent do that work for you. Our team members can present you with many options to choose from.
Talk with a friendly independent insurance agent for an affordable policy from a reliable insurance provider in Connecticut.