If you have just purchased a new motorcycle, you may envision yourself hitting the road with the wind in your face. But before you can ride your bike around, you must first purchase motorcycle insurance. If you have never purchased this type of insurance before, you may be unsure what you need to consider when buying this type of policy. Here at Luebbering Insurance Agency, LLC, serving the greater Jefferson City, MO area, we want to help make the process of buying a new insurance policy easy on you. Here are two critical factors to consider as you go about buying your first motorcycle insurance policy.
Motorcycle Endorsement Versus Insurance
When you are going about buying your first motorcycle insurance policy, you need to pay close attention to whether you are purchasing a motorcycle insurance policy or a motorcycle endorsement policy. An endorsement policy adds the motorcycle to your existing auto insurance policy. A motorcycle insurance policy is its own insurance policy, separate from your auto policy. Most experts recommend buying a separate policy, as your policy limits should be different between auto and motorcycle insurance.
The Policy Limits
Speaking of policy limits, the next factor to consider when you are buying motorcycle insurance is what the policy limits are set at. You should carry higher medical coverage limits for motorcycle insurances, as your medical expenses can be much higher if you are in a motorcycle accident. Always carefully review your policy limits and ensure they meet your needs before buying a motorcycle insurance policy.
If you are ready to purchase a motorcycle insurance policy in the greater Jefferson City, MO area, grab your phone and call Luebbering Insurance Agency, LLC. Let our knowledgeable agents help find you the right motorcycle insurance policy for your needs.