Whether you enjoy cruising the Vegas Strip on your sports bike or winding your way through arid, isolated mountain ranges that rise 7,000 to 10,000 feet above sea level on your hog, Nevada offers a variety of destinations for the motorcycle enthusiast. But only the protection of motorcycle insurance can help you survive the dangers of unknown terrain and congested streets. Before you search for motorcycle insurance quotes, there are a few factors to keep in mind.
These statistics are available from the Nevada Department of Transportation:
With statistics like that, it's easy to see why motorcycle insurance is important. You may be a veteran rider, who always wears your helmet and follows all traffic safety guidelines and rules. But what about the "other guy" who doesn't? In more than 70 percent of accidents involving two-wheeled bikes, the driver of the four-wheeled vehicle was at fault. You want an insurance policy that can help make swift repairs to your damaged bike and help you recover from the injuries you will most likely sustain in the event you are involved in an accident.
Nevada state law does require you to carry a minimum level of liability insurance on your motorcycle, just as you would for a four-wheeled vehicle. These are the minimum standards:
However, these minimum standards were set 15 to 20 years ago. These days, injuries cost far more due to the rising cost of medical care. Also, many vehicles with which you share the road cost far more than $10,000. The minimum liability standards are often inadequate to protect your personal finances in the event of an accident.
Much like car insurance, most Nevada providers should be able to offer you the following coverage options for your bike:
As the popularity of motorcycles has increased, so too has the number and availability of a variety of two-wheeled vehicles. Unless you handcrafted your bike from spare parts around your garage, chances are most Nevada insurance providers will have a policy for you. The most common types of insured motorcycles include the following:
The quotes you will find from Nevada insurance companies can vary considerably depending on several factors. Most companies take the following into consideration as they calculate your motorcycle insurance quotes:
A middle-aged woman with a blemish-free driving record and a touring bike who keeps it in a locked garage while not in use will get significantly lower quotes than a 19-year-old man with a few accidents under his belt who parks his crotch rocket on the street will get. The young man is an accident risk and his bike is in danger of theft while parked on the street. You can save considerably on your insurance premiums by keeping a clean driving record and storing your bike in a secure location when it's not in use.
Like most motorcycle riders, you most likely do it for the pure enjoyment of the wind in your face and the pavement speeding by underfoot. The last thing you want ruining this relaxing pastime is an uncovered accident or incident. Knowledgeable, independent insurance agents in the Trusted Choice® network can answer any questions you may have, suggest coverage options and even assist you in filing a claim.
Contact a Trusted Choice member agent near you for help finding the perfect motorcycle insurance policy that meets your needs and budget.