There’s nothing quite as breath-taking as your first ride on a motorcycle. You feel the wind in your face, the speed of the bike beneath you, and see the horizon looming just ahead. Bikers are known for their many adventures, but far too often, they neglect to think about the legalities of owning a motorcycle, especially when it comes to temporary motorcycle insurance. Whether you’re heading out on vacation, renting a bike for the weekend, or borrowing your friend’s motorcycle for a few weeks, you need to make sure you’re covered with the right kind of temporary motorcycle insurance.
Just like the drivers of other vehicles, motorcycle drivers are required to have insurance before they head out on the highway. However, you might not need an ordinary policy if you only need coverage for a short period. Temporary motorcycle insurance is designed to offer short-term coverage to motorcycle riders who only plan to drive for a few days, weeks, or months.
Driving a motorcycle is exhilarating, but it can also be very dangerous. Even a routine accident can become serious because motorcyclists don’t have the protection provided by an enclosed vehicle. According to the National Highway and Traffic Safety Administration, motorcycle drivers are 35 times more likely than car drivers to be involved in a fatal crash. In 2013, for every mile traveled, the number of motorcycle-related fatalities was more than 26 times higher than car-related fatalities.
While wearing a helmet can go a long way toward preventing traumatic brain injuries, no helmet can keep you perfectly safe. Even if you manage to survive a crash on a motorcycle, you will face serious financial and legal problems if you don’t have adequate motorcycle insurance. That’s why every driver needs coverage, even if they are only using a motorcycle for a few hours. Temporary motorcycle insurance is designed to protect you in the event of an accident, paying for repairs to your bike along with other involved property.
If you are searching for short-term motorcycle insurance, you have several options to consider. The type of policy you choose will ultimately depend on how long you need coverage. Typically, the rates are higher for policies with shorter terms than those with longer terms, but it can vary dramatically depending on the driver and the type of motorcycle.
Short-term motorcycle insurance is beneficial in many situations. Here is a look at who needs to invest in this type of coverage rather than a traditional motorcycle insurance plan.
Whether you choose to ride your motorcycle weekly, monthly, or seasonally, the most important thing to remember is that you need insurance. Uninsured drivers are a danger to everyone and the risk is certainly not worth saving a few hundred dollars on insurance bills. Do your part to keep the roads safe and invest in a reliable temporary motorcycle insurance policy before you take your bike out for a spin. A Trusted Choice® independent insurance agent can help you find the best type of temporary motorcycle insurance for your unique situation. Our experienced local agents can help you assess your current driving habits and determine which coverage option will provide you with the maximum protection from common motorcycle risks. Contact a Trusted Choice agent today to get a customized quote and learn more about temporary motorcycle insurance.