Louisville Motorcycle Insurance
Find the right motorcycle insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
While stop-and-go traffic in Louisville does not exactly make for a biker’s dream ride, there are many riders residing in this city. Louisville is home to the Kentucky Kick Down motorcycle show and has many biker-friendly establishments. Whether you are a veteran rider or are new to the scene, there are two ways you can protect yourself while riding: by wearing a helmet and by having a suitable Louisville, KY motorcycle insurance policy. Helmet use is not mandatory for riders over 21, but motorcycle liability insurance is.
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How to Register a Motorcycle in Kentucky
- Complete a title and registration form
- Provide your social security number, manufacturer’s certificate of origin, and a title lien statement, if applicable
- If you are a new resident, you will need to provide the original out-of-state title
- You will need to show an inspection certification, an odometer reading, and proof of insurance
- Registration takes place at County Clerk’s office
Understand Your Liability Insurance Requirements
The state of Kentucky requires that motorcycle owners maintain liability insurance in the following amounts:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $10,000 in property damage per accident
While these minimum amounts are usually sufficient to cover expenses incurred in collisions, if you have a lot of assets that you wish to protect, you may want to purchase liability coverage in higher amounts. Paying extra on your monthly premium can prove much more affordable than having to cover excess costs following a serious accident.
Consider Louisville Motorcycle Insurance Coverage Options
It is not a good idea to try to save money by skimping on coverage. Kentucky state law requires a minimum amount of liability insurance, but just purchasing liability insurance does not offer complete protection. Liability coverage will only pay for injuries and damages that you cause to another person.
If you are involved in an accident and your bike is damaged or you suffer a broken arm, those expenses will come out of your own pocket unless you have additional, optional coverage. Likewise, if someone hits you and the responsible party is uninsured, liability-only coverage will provide you with no financial relief.
Louisville motorcycle insurance policies will offer the following coverage options:
- Collision coverage: This will cover repairs to your bike if it is damaged in a collision for which you are responsible.
- Medical payments coverage: This will cover you and your passenger's medical expenses if you are injured in a bike accident for which you are at fault.
- Uninsured / underinsured motorist coverage: This will cover damages and injuries you sustain if you are struck by a motorist who lacks sufficient insurance to cover your expenses, or if you are in an accident with a hit-and-run driver.
- Comprehensive coverage: This covers damages to your bike that are sustained in non-collision-related events such as floods or fire. Comprehensive coverage will also compensate you if your bike is stolen or vandalized.
How Much Does Louisville Motorcycle Insurance Cost?
Not all insurance policies are the same so premium amounts will vary. Be sure to get a variety of rate quotes before selecting a policy.
Dirt bikes will need different insurance coverage than sport bikes will. Chopper owners will likely opt for different coverage options than will owners of vintage motorcycles. Your insurance agent can evaluate your individual needs and suggest a policy that will protect you and your bike.
Of course, there are several factors that insurance companies take into consideration when pricing your policy. These include:
- Your age and driving history: Younger riders present a greater risk due to inexperience, but if you are 40 and have a bad driving record, your policy may be even more expensive than your 20-year-old neighbor's.
- Where you live: If your bike is parked or stored in a high-crime area, the risk of theft or vandalism increases. This will be reflected in the cost of adding comprehensive coverage to your insurance.
- How often you ride: If you are an occasional rider and ride only during the warmer months, there is less of a chance of your being involved in an accident than if your bike is your main vehicle.
- The make and model of bike: Expensive bikes will cost more to repair and replace. Additionally, bikes with very powerful engines put riders at a greater risk of injury and will also add to your insurance rates.
Better Motorcycle Insurance
Our independent agents shop around to find you the best coverage.
Compare Louisville Motorcycle Insurance Quotes Today
When you are shopping for a motorcycle insurance policy, you may have questions about your coverage options and how much they will raise your premium costs. An agent in the Trusted Choice network can provide you with the answers you seek.
Member agents will work hard to find you a suitable, competitively-priced policy and can also ensure that you receive any applicable policy discounts. Contact a Trusted Choice independent agent in your neighborhood today for more information about Louisville motorcycle insurance.