It’s a warm day in the City of Brotherly Love. The freedom and thrill of riding your motorcycle awaits, but not until you have the right insurance. Motorcycle owners need protection from a wide range of potential property and liability risks before they set out on a ride, whether on the city streets of Philadelphia or out on the open road.
A local independent insurance agent can help you find the best motorcycle insurance policy in Philadelphia, PA for your needs and budget. These agents can answer your questions and help you compare free quotes from multiple insurance companies.
Is Motorcycle Insurance Required in Philadelphia, PA?
If you drive a motorcycle on public roads in Pennsylvania, you must have motorcycle insurance. Just like other motor vehicle owners, Pennsylvania mandates that motorcycle owners carry liability coverage up to the following minimum limits:
- Bodily injury liability: $15,000 per person/$30,000 per accident
- Property damage liability: $5,000 per accident
Bodily injury liability insurance covers you if you are at fault in an accident and someone else is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional risk protections that extend to you and your motorcycle.
It’s also important to note that Pennsylvania law requires that any person who operates or rides a motorcycle must wear protective headgear unless he or she is over 21 years of age or older and has either two years of riding experience or has completed an approved motorcycle safety course.
How Much Does Motorcycle Insurance Cost in Philadelphia, PA?
Motorcycle insurance premiums are calculated based on a variety of factors. A policy with more comprehensive coverage and higher coverage limits will cost more than a policy that covers the bare minimum.
What’s more, insurance companies will consider your age and driving record, your credit score, where you live and travel, whether you ride year-round or just seasonally, the make and model of your motorcycle, and any custom components you have added to your bike.
A more expensive bike or a more risky riding profile will likely result in more costly motorcycle insurance. By getting multiple quotes for motorcycle insurance in Philadelphia, PA, you can find the policy that offers the best protection for your budget.
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How Can You Save Money on Your Motorcycle Insurance in Philadelphia?
Some insurers will offer discounts for certain actions that you take to be a safer rider. Discounts might be available for those with more than one motorcycle, or who belong to a motorcycle organization. In addition, many insurance companies offer mature rider discounts and other discount options, such as the following:
- Taking an approved safety course
- Purchasing auto insurance or home insurance with the same company
- Having anti-theft devices
- Having a clean driving record
- Paying promptly with automatic debits or in advance
Be sure to ask your agent about what motorcycle insurance discounts you might qualify for.
What Else Does Motorcycle Insurance Cover in Philadelphia?
Other than increasing your liability limits, it's a good idea to insure yourself against injury and your motorcycle against damage.
These are the additional types of motorcycle insurance coverage that you may want to consider:
- Collision coverage: Protects your motorcycle if it is damaged in an accident.
- Comprehensive coverage: Covers your bike in the event of a non-collision incident, such as theft, vandalism, hail damage, and more.
- Uninsured/underinsured motorist coverage: Provides for you if you are in an accident with someone who is uninsured or whose insurance does not cover the full extent of the damage to you or your motorcycle.
- Medical payments coverage: Offers you and others who ride with you medical and hospitalization payments if injured.
You might also need additional coverage if your bike has custom parts and accessories. Most basic motorcycle policies will only cover factory standard parts. Other optional coverage includes lease/loan gap coverage, guest passenger liability, towing and labor (or roadside assistance), and rental reimbursement coverage.
Who Are the Best Motorcycle Insurance Companies in Philadelphia, PA?
It can be simple to find the best motorcycle insurance companies in Philadelphia. A local independent insurance agent can help you get motorcycle insurance quotes from multiple insurance companies, so you can select the best policy for your needs and budget.
How Can an Independent Insurance Agent Help Me Find Motorcycle Insurance in Philadelphia, PA?
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Contact an agent today for a free, no-obligation consultation.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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