Motorcycling can be dangerous. More motorcyclists are on the road than ever before, at a time when roads are also busier and more congested. A motorcyclist is 39 times more likely to die in a crash than a car driver or passenger. Rhode Island takes motorcyclist safety very seriously, and requires that you obtain a special license and take a safety course to ride within state borders.
You can protect yourself from financial risk with Rhode Island motorcycle insurance.
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Motorcycle Accident Facts
- Motorcycle-related deaths increased by 55% in the past decade.
- 4,500 people died in motorcycle accidents in 2010 alone.
- Motorcycle injuries and deaths cost about $12 billion annually.
Local agents are familiar with carriers who specialize in this area, and those who might cater to special bikes, Harley Davidson or choppers, for example. This means they can get you Rhode Island motorcycle insurance that fits the way you ride.
Motorcycle Insurance Is Critical
A motorbike is a dangerous and expensive piece of equipment. You can’t always prevent accidents, but you should wear a helmet to protect yourself. RI does not have a universal helmet law, but enforces partial restrictions. Wearing a helmet can, however, increase your protection against serious injury by about 70 percent. If you crash, you want to avoid head injuries and their potentially lifelong consequences, at all costs.
The exposed nature of a motorcycle leaves it open to serious damage, and repairs can be expensive. Often motorcyclists involved in accidents are rushed away from the scene, and find their bikes have been whisked away as a result of the cleanup. With comprehensive coverage, you can afford to replace your bike if the need arises.
Motorcycle insurance covers many of the same risks as car insurance, including the following:
- Liability, for bodily injury and property damage to others involved in a crash
- Collision, to pay for repairs to your bike after an accident
- Comprehensive, to cover the cost of theft and non-collision damage
- Medical payments, to help you get back on your feet after a riding injury
- Roadside assistance, to get you flat tire service and towing, when needed
What Kind of Motorcycle Insurance Do You Need?
Bikers are as individual as their bikes. From expensive sport bikes to stripped down dirt bikes, they all bring their own charms and risks to the rider. Many accidents involve harm only to the rider but you do have to consider passengers and pedestrians too. The possibility of medical, legal, even compensation costs is something you need to think about before you even get on a bike. Rhode Island motorcycle insurance is a legal requirement, but it is also a sensible precaution for anyone riding on the roads today.
The cost of your coverage depends on your age and driving history, the bike, where you live and how you use it. If you have a good riding record, and your bike is of average value, and you only ride occasionally, your costs will be significantly lower than an enthusiast who rides every day, hail, rain or shine.
Get the Motorcycle Policy That's Right For You
The best way to get Rhode Island motorcycle insurance quotes is to talk to one of your local Trusted Choice® agents. An independent agent can compare coverage and prices from dozens of insurance companies, to find the one that suits you best. Then you can ride easy in Rhode Island. Find a Trusted Choice agent today.