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How To Add A Motorcycle To Your Auto Insurance Policy
Let's say you've always yearned to own a motorcycle, but until now have opted to strictly travel on four wheels.
What happens when you decide to own a car and a motorcycle, and need coverage for both?
Motorcycle Insurance Policy or Auto Policy?
One common way to handle this matter is to go the combined coverage route and simply add your motorcycle to your existing car insurance policy. You'll do this via an endorsement, which is a document that's attached to your policy that changes the terms of it. In this case, it would be done to include your motorcycle.
It's typically cheaper―and much simpler―to add an endorsement covering your motorcycle than to purchase a separate policy from your current or another insurance company. This usually gives you lower insurance rates than would purchasing a separate policy. However, doing this also means you'll usually be stuck with the present coverages you have for your car, and won't be able to customize it to account for any special needs you may have as a motorcycle rider.
Taking out a separate, motorcycle-only policy allows you to tailor your coverages, and perhaps acquire higher liability limits. But, depending on your risk profile and claims history, you may not qualify for a stand-alone motorcycle policy. In that case, an endorsement is your only option.
Discuss Options With an Auto Insurance Agent
Obviously, you have some significant issues to ponder that will impact your finances and insurance security.
Considering this, you should discuss the matter with an insurance agent or other qualified financial professional. And, you should evaluate the cost differences between adding your cycle to your auto insurance policy and purchasing a separate policy.
No matter which path you chose, just be sure to carry an adequate amount of motorcycle coverage to protect you in an accident. After all, as a motorcyclist, you're even more exposed to danger than those who sit behind the wheel of a car.
In This Section
Other Topics in This Section
- How To Lower Insurance Rates With A Motorcycle Safety Course
Tips On Lowering Motorcycle Insurance Rates By Completing A Motorcycle Safety Course. Learn The Benefits Of Taking Motorcycle Rider Safety And Get Discount On Motorbike Insurance.
- How Much Motorcycle Insurance To Buy
Info On How Much Motorcycle Insurance To Buy. Most States Set Minimums For Motorbike Insurance And Liability Insurance. Learn When To Buy More Insurance Coverage Than The State Minimum.
- How To Save Money On Motorcycle Insurance
Motorcycle Insurance Money Saving Tips. How To Lower Your Motorbike Insurance Rate. Get Info On Combining Insurance Policies, Motorcycle Safety Course And More. Compare Insurance Rates Online.
- What You Need For A Motorcycle Insurance Quote
List Of Info Needed To Get A Motorcycle Insurance Quote. Shop Online For Competitive Motorbike Insurance Quotes. Online Insurance Quotes Save You Time And Money.
- How To Compare Motorcycle Insurance Quotes
Tips On How To Compare Motorcycle Insurance Quotes. Compare Motorbike Insurance Quotes Online To Get A Competitive Insurance Rate. Insurance Rates For Motorcycles Vary.
- How To Insure A Vintage Motorcycle
Tips On Getting Motorbike Insurance For A Vintage Motorcycle. Consider Getting More Than The State Minimum If You Own Classic Motorcycles. Compare Motorcycle Insurance Rates Online.
- How To Get The Most Out Of Your Motorcycle Insurance Coverage
Save Money On Motorcycle Insurance Coverage By Getting The Most Out Of Your Motorbike Insurance Policy. Compare Insurance Quotes Online To Get A Competitive Insurance Rate For Motorcycles.
- How To Choose A Motorcycle Insurance Provider
Tips On Choosing A Motorcycle Insurance Provider Offering Quality Motorbike Insurance Coverage. Find An Insurance Company With Solid Insurance Ratings And Competitive Insurance Rates.
- How To Cancel A Motorcycle Insurance Policy
Steps On Canceling A Motorcycle Insurance Policy. Ensure You Have Adequate Motorbike Insurance Coverage Before Ending One Policy And Starting Another.
- How To Change Motorcycle Insurance Providers
Info On How To Change Motorcycle Insurance Providers. Shop Online And Compare Motorbike Insurance Rates Before You Switch. Gathering Insurance Quotes Online Save Time And Money.
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