Just as you're doing right now, it's a good thing to use the Internet to do research when you need to buy motorcycle insurance. You can check out different Web sites, compare quotes, look for discounts, and participate in forum discussions about insurance plans you are considering etc. You can even find dealers who will sell to you on the Internet.
It is possible to find motorcycle insurance rates for nearly every rider and every cycle. Here are some general descriptions of coverage available under a Progressive motorcycle insurance policy:
Bodily Injury and Property Damage Liability coverage covers your legal liability for an accident where there is damage or injury for someone else up to the limit of liability you select. Your insurance company pays for the cost to replace or repair damaged property, the medical bills and wage loss incurred by an injured person, and other damages you are legally obligated to pay as result of an accident. Some states have special requirements for Guest Passenger Liability.
Guest Passenger Liability coverage provides protection for legal liability in the event that a guest passenger is injured on the insured motorcycle.
Comprehensive and Collision coverage covers the cost to repair or replace your motorcycle if it is stolen or damaged in an accident, no matter who is at fault. You share in this cost by paying a deductible. Under Collision coverage, your insurance company pays for damage caused when you collide with another vehicle or object. Under Comprehensive Coverage, your insurance company pays for damage caused by an event other than collision, such as fire, theft, or vandalism.
Uninsured Motorist Bodily Injury coverage pays for medical treatment, wage loss, and other damages you would have received from the other person's insurance company, had they been insured. Underinsured Motorist Bodily Injury coverage is similar to Uninsured Motorist Coverage, but is designed to cover the gap between the other person's liability limits and the liability limit for Underinsured Motorist Bodily Injury Coverage that you select. Uninsured Motorist Property Damage Coverage covers damages to your vehicle caused by someone who does not have insurance.
Medical Payments coverage covers the cost of necessary medical care provided to you as a result of a motorcycle accident and applies no matter who is at fault. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. In some states, this coverage only applies after other medical insurance is exhausted.
Custom Parts and Equipment coverage covers equipment, devices, accessories, enhancement and changes, other than those, which are original manufacturer installed, which alter the appearance or performance of the motorcycle or ATV. This can include but is not limited to:
Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those which are original manufacturer installed, that are permanently installed on the motorcycle using bolts or brackets, including slide-out brackets;
- Sidecars;
- Trailers designed to be pulled behind a motorcycle or ATV;
- Trike conversion kits;
- Custom paint, custom plating or custom exhaust; and
- Safety riding apparel, including helmets.
