The Rocky Mountain region, the Great Basin and the Colorado Plateau offer motorcycle owners in Utah some of the most beautiful rides in the country. From small mountain ranges and rugged terrain to winding buttes, mesas and deep river canyons, Utah offers majestic views for new and veteran riders alike. Cruising these scenic areas without motorcycle insurance, however, is tempting disaster.
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Am I Required to Carry Motorcycle Insurance in Utah?
In Utah, you must maintain no-fault insurance for your motorcycle while it is registered. You must also carry proof of your insurance while operating your vehicle and show it to a law enforcement officer when requested.
State law also requires riders of certain makes and models to obtain a motorcycle endorsement, or license, to legally operate their bike on public roads and highways.
All riders under the age of 18 are legally required to wear a helmet in the state of Utah.
Can I Find Insurance for My Particular Bike?
Utah defines a motorcycle as:
A motor vehicle, other than a tractor, having a seat or saddle for the use of the rider and designed to travel with not more than three wheels in contact with the ground.
If you are required to register your bike as a motorcycle, Utah insurance providers will have a policy for that particular make and model. The most common types of bikes include:
- Street cruisers
- Sport bikes
- Touring bikes
- Dirt bikes
Why Is Motorcycle Insurance Important?
Some of the factors that make riding motorcycles so much fun (extreme speed, maneuverability and dexterity) also make them highly dangerous to operate. It's no mystery why motorcycles are involved in more crashes, and with more dangerous results, than their four-wheeled counterparts.
- They’re small and hard for other motorists to see.
- They’re very fast and maneuverable, which makes them even harder to see.
- They operate on two wheels; a moment of inattention can result in an accident.
- Operators have no protective devices, such as seat belts or air bags.
Only a comprehensive motorcycle insurance policy can help you make swift repairs following an accident and assist you in paying medical bills for injuries to yourself or others due to a crash.
What Does Motorcycle Insurance Cover?
Much like car insurance, providers offer a variety of plans and coverage options for your bike, including:
- Liability coverage: Can help pay for damages or injuries you cause another person while operating your motorcycle.
- Collision coverage: Can help pay for repairs or replacement for your bike if it is involved in an accident, regardless of who is at fault.
- Comprehensive coverage: Can help pay for repairs to your bike if it is damaged by severe weather, theft or vandalism.
- Accessories coverage: Can help pay for repairs or replacement for things like helmets, riding gear or after-market improvements you have made to your ride
Remember, Utah requires riders to carry a minimum of liability insurance, so be sure the quotes you find meet the state requirements.
What Will My Motorcycle Insurance Quote Look Like?
Because no two riders and their bikes are alike, neither are any two motorcycle insurance quotes. Insurance providers take several factors into account when calculating your quote, including:
- The bike: The engine type and power of your particular motorcycle will affect your quote. Motorcycles with high CCs will have higher quotes than low-powered bikes.
- The rider: Your age and driving history will also impact your premium quote. Young riders with several insurance claims in their past will see significantly higher quotes than experienced riders with few to no accidents in their history.
- How you ride: If you use your motorcycle on your daily commute to work, you may see higher quotes than someone who only takes their bike out for a spin once in a while.
A basic liability motorcycle insurance policy may be quoted at around a few hundred dollars a year, whereas a comprehensive policy quote for a young sport bike owner may exceed $900 a year.
Where Can I Find Motorcycle Insurance Quotes?
No matter whether you use your bike every day or you're a weekend rider, you want the peace of mind and protection that only a motorcycle insurance policy can offer. Knowledgeable, independent insurance agents on the Trusted Choice® network are always available to answer your questions, suggest coverage options, and even assist you in filing a claim.
These agents have years of experience working with Utah insurance companies, enabling them to find you a number of quotes from a variety of providers, which means you only see quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can obtain a motorcycle insurance policy that meets your needs and budget.