For many, hitting the open road on a motorcycle is a passion that flows through their veins. From the wind in your face to the low, growling rumble of the bike -- motorcycle rides can be incredible. For residents of Montana, the layout of the state provides some fabulous riding areas. Going-to-the-Sun Road is known as the Mt. Everest of the motorcycling world, with steep climbs and beautiful views.
Whether you're a weekend warrior or a passionate daily rider, it's important to be prepared for riding your motorcycle. From wearing protective gear to doing a bike check before hitting the road, being prepared is crucial.
With the high number of motorcyclists in MT, having insurance on your motorcycle is one very important way to protect your motorcycle and yourself in case of an accident or emergency.
It's no surprise that motorcycles carry more risks than regular motor vehicles. Beyond the fact that cars are more enclosed, larger and heavier, motorcycles can reach higher speeds and are more maneuverable.
If you own a motorcycle, you have most likely invested time and money in your passion, which is why having insurance in place to protect you and your bike is very important.
Motorcycle insurance is a group of coverages put together to specifically cover motorcycle owners. A typical motorcycle insurance policy may offer the following:
Other types of coverage are available, so it's a wise idea to discuss your individual situation and needs with an insurance agent.
Insurance companies know that there are many types of motorcycles on the road, so most types of motorcycles can be insured. Here are the most common types that can be covered by a motorcycle insurance policy:
There are many other types of motorcyles cruising the roads, so the list is not exhaustive. If you own a motorcycle outside these types, contact an agent to discuss which coverage is best for you.
The state of Montana does not require motorcycle owners to carry insurance. However, if motorcycle owners choose not to get a liability insurance policy, they must prove financial responsibility in one of the following ways:
For many, these are not feasible options, so instead, they opt to carry liability insurance. The minimum liability requirements for passenger vehicles in Montana are:
It's important to note that these limits are low. If you are involved in an accident, your policy caps may be reached within minutes, which is why it's important to discuss your coverage needs before purchasing a policy.
The cost of a motorcycle insurance policy will vary depending on your individual situation. When you're searching online or in person for a policy, make sure to be familiar with the following:
Each of these factors, plus many more, will be used to give you an accurate quote for coverage on your motorcycle.
Just like many other insurance policies, discounts are available on motorcycle insurance. When you're shopping around, ask about available discounts, including the following:
These are just a few of the discounts available to motorcycle owners in Montana. Each insurance company offers different discounts, so be sure to ask about any discounts you may be eligible for.
When deciding to purchase motorcycle insurance, it's important to discuss your options before signing on the dotted line, to make sure you're getting the best coverage at the right price. A Trusted Choice® agent is always available to help you discuss coverages, suggest policy changes, or even help you file a claim.