In one of the most densely populated cities in the U.S., you may need a less traditional way to commute to work, get groceries, and travel around the state. Perhaps you purchased your motorcyle because it was easier to find parking and your fuel costs were lower than with a car. Perhaps you love the freedom and thrill of the open road on your dirt bike, sport bike, or chopper. No matter what you're driving, make sure you have adequate Boston, MA motorcycle insurance to protect your investment.
If you need a Boston motorcycle insurance policy, contact a Trusted Choice® member agent right in your ZIP code. An independent agent can help you compare Boston motorcycle insurance quotes to find a policy that fits within in your budget. Your member agent is located right in Boston, and understands the risks of the area. Get a quote today to get peace of mind when you're on the road.
Riding in Boston: Safety Tips
Boston roads can be confusing. Unlike most cities, Boston traffic doesn’t follow a grid pattern and you have to combat drivers and public transportation. Here are some safety tips to help you stay safe when you're navigating the busy streets:
- Watch drivers’ heads and mirrors.
- Use your mirrors and always look before you merge.
- If traffic slows, stay to the left or right of cars.
- Pay attention to drivers making left turns.
- Ride in open zones in heavy traffic.
- Make yourself noticeable by using proper signaling, reflective gear, and not weaving in and out of traffic.
Minimum Legal Requirements: Liability
- Bodily injury: $20,000 per person/$40,000 per accident
- Personal injury protection (PIP): $8,000 minimum
- Uninsured/underinsured bodily injury: $20,000 per person/$40,000 per accident
- Property damage: $5,000 minimum
Buying Additional Coverage
Although Massachusetts law requires that you carry proof of Boston motorcycle insurance at all times, the main reason to purchase insurance is for protection. While the minimum liability limits satisfy legal requirements, they won’t provide much protection in a serious accident. You could be left paying for damages to your bike and a large portion of your medical bills without adequate coverage. You may also find that the legal liability requirements aren't high enough to protect your finances if you cause a major accident with injuries and fatalities.
Driving in Boston can be treacherous. Consider the fact that more than half of all accident fatalities involve another vehicle. Even if you exercise every precaution, you can’t always prevent an accident. Purchasing additional insurance can protect your personal finances from medical bankruptcy and liability lawsuits. Some of the recommended policies include:
- Accessories coverage
- Collision coverage
- Comprehensive coverage
- Medical payment/PIP
- Uninsured/underinsured motorist coverage
A Trusted Choice member agent can help you tailor a Boston motorcycle policy to fit your needs. Insurance coverage isn’t a one-size-fits all product. When you work with an agent in the Trusted Choice network, you'll get the personalized help you need.
Affordable Boston Motorcycle Insurance Quotes
While rates will differ from one insurance company to the next, it’s helpful to understand how your premiums are determined. How often you drive and where you drive will affect your rates. If you only drive seasonally and take your bike along scenic routes, your rates may be lower than someone who uses a motorcycle year round in downtown Boston.
The type of bike you purchase also makes a difference in your premium. Sport bikes pose more risk than a normal motorcycle due to the high speeds and acceleration potential. Don’t expect that you can escape a bad vehicular driving record, either; any infractions you received while driving a vehicle will affect your Boston motorcycle insurance rates.
If you need to find affordable premiums, consider working with a Trusted Choice member agent. Instead of skimping on coverage, an independent agent can help pinpoint the policies you need. These agents work with several insurance companies, so they can collect and compare motorcycle insurance quotes to find coverage within your budget. To get the information you need, contact a local agent in the Trusted Choice network today.