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.
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Why Is Motorcycle Insurance Important in Nevada?
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 Motorcycle Insurance Requirements
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:
- $15,000 in coverage for bodily injury
- $30,000 in coverage per accident in bodily injury
- $10,000 in coverage for property damage
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.
What Does Motorcycle Insurance Cover in Nevada?
Much like car insurance, most Nevada providers should be able to offer you the following coverage options for your bike:
- Liability coverage: This can help pay for costs associated with your causing another person injury or property damage while you are operating your motorcycle. It can also help pay for your legal fees if someone sues you as a result of those injuries or that damage.
- Collision coverage: This can help make repairs to your bike if it sustains damage in an accident with another motorist, regardless of who is at fault.
- Comprehensive coverage: This can help pay for repairs to or replacement of your motorcycle if severe weather, fire, theft, vandalism or any other covered event damages it or causes its total loss.
- Accessories coverage: This can help pay for the replacement of safety equipment, such as helmets, protective eyewear and another other gear, you may use with your motorcycle.
Is Insurance Available for All Types of Motorcycles?
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:
- Standard motorcycles
- Sport bikes (also called "crotch rockets")
- Dual sport bikes (with off-road capabilities such as dirt bikes)
- Touring bikes
- Scooters, "underbones" and mopeds
How Are Motorcycle Insurance Quotes Determined?
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:
- Your age
- Your bike's value, engine type and power
- Your driving history and record of insurance claims
- How often you ride your bike and where you ride it
- How you store your bike when it is not in use
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.
Where To Find Motorcycle Insurance
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.