Affordable Motorcycle Insurance explained in Ohio and Arizona

This Motorcycle Insurance coverage explained article provides more information to help you meet your Arizona & Ohio Motorcycle Insurance needs. If you have more questions, feel free to call or Request More Information.

Motorcycle insurance in Mesa, AZ & Sylvania, OH

What you need to know

As covered on the prior Auto Insurance Basics page, there are some basic coverages that may be required by the State you live in. There are additional coverages that can be customized to provide more protection for pennies on the dollar and we cover those here.

Arizona | Ohio auto, home & life insurance is as unique as you are!

Choosing the right motorcycle insurance policy is much like choosing the right ride. You want it to fit your needs and lifestyle—and to be within your budget. Here's a guide to insurance coverage for your bike—and some tips to make your motorbike insurance ride more "easy" on your wallet. In order to find out what coverage is best for you, it is important to understand all the options available.

Motorcycle Insurance Arizona & Ohio- What are basic coverages for your Motorcycle?

Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Ask your insurance professional which laws apply in your state and understand all the coverage options available to best fit your needs.

• Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover injury to you or damage to your motorcycle. Guest Passenger Liability, which provides protection in the event that a passenger is injured on your motorcycle, may also be available to you, depending on state laws and the company issuing your policy.

• Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.

• Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

• Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, check with your insurer to understand the limits of coverage.

• Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages and, in some cases, property damage.

Factors that affect your costs for Motorcycle Insurance in Arizona & Ohio

• Your age, your driving record and where you live

• Type or style of bike you ride—for example, sport bike, cruiser or custom motorcycle

• Age of the motorcycle

• Number of miles you ride a year

• Where you store your bike

Policies for Motorcycle Insurance vary so, as always, shop around for an insurer and insurance professional Like PJS Insurance Services in Mesa, AZ & Toledo, OH with whom you feel comfortable.

Tips for the cost-conscious rider - How can I save more for Arizona or Ohio Motorcycle Insurance?

As with auto insurance, maintaining a good driving record with no violations will help keep your premium costs down. In addition, some insurers offer driver discounts and other ways to save money on your motorcycle policy. While offerings may vary by state and insurer, following is a sampling:

• Training course discounts are offered to graduates of classes such as the Motorcycle Safety Foundation (MSF) rider course. This is particularly useful for riders under the age of 25, usually considered a higher risk. It’s also a good idea for riders who have already had accidents.

• Multi-bike discounts can deliver savings to riders insuring more than one motorcycle. If available, getting your policy from your auto or home insurer may qualify you for a multi-policy discount.

• Organization member discounts might be available if you belong to a motorcycle clubs or other associations.

• Mature rider discounts can help experienced riders save money

Serving Mesa, Gilbert, Queen Creek and the state of Arizona. PJS Insurance Services should be your first and last stop when looking for AZ motorcycle insurance.

There is a difference. To find out how your Arizona Independent insurance agent can help you find the Best Motorcycle insurance Mesa, please contact PJS Insurance Services. Give us a call today at (602) 750-0616.

Now serving Toledo, Sylvania, Ottawa Hills and the state of Ohio. PJS Insurance Services offers you more choices and customized coverages at the lowest price.

Experience the difference. To find out how your Toledo Independent insurance agent can help you find the right Ohio Motorcycle insurance, please contact PJS Insurance Services. Give us a call today at (419) 318-9130.

Auto Insurance in Arizona or Ohio-have more questions?

Call PJS Insurance Services at (602) 750-0616 in Mesa, AZ or (419) 318-9130 in Toledo, OH.

Feel free to go to the main Auto Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of vehicles. Here to help with the lowest prices from the best companies.

Select your choice below for additional information and coverage options to customize your plan or send me your questions here.