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Bikers often wonder what sort of motorcycle insurance they need. Some states like Florida don’t require much insurance at all for bikers, but other states have strict requirements. Whatever your state laws may be, you should consider all of your options before you take your motorcycle on the open road.
Motorcycle Insurance Options
Many companies offer insurance to bikers with a variety of options and pricing. Make sure to review all of your options, and consider the benefits and pricing of each option.
Allstate Motorcycle Insurance
Allstate is one of the larger vehicle insurance providers, and they are very competitive in the motorcycle insurance industry. Their coverage varies from state to state, but they pride themselves on “protecting [you] with quality coverage.” They offer valuable features like rental reimbursement if your bike is stolen or being repair, as well as GAP insurance if you owe more on your motorcycle than it’s current value when it’s damaged or totaled. One negative is that Allstate does not offer motorcycle insurance to riders in California, Florida, or New York, but if you live in any of the other 47 states you should have no problem getting a quote.
GEICO is another provider of car and motorcycle insurance. They claim to “help you save money on a new [motorcycle insurance] policy no matter what type of motorcycle you own.” Be sure to check them out as well before you make your final decision.
State Farm also provides “affordable motorcycle insurance for two- and three-wheeled motorcycles licensed for use on public roads.” They are another great alternative for bikers looking to get another competitive quote.
You will want to review the proposals from other carriers as well to ensure you are getting a fair and equitable offering. Make sure to get quotes and information from at least three providers before making a final decision.