If you’re a new motorcyclist, you may expect motorcycle insurance to be the same as buying auto insurance. We at Advantage Insurance Network, serving Cincinnati, OH, frequently hear this theme. While some things are indeed the same, others are quite different. Please find more information on how buying motorcycle insurance differs from purchasing auto insurance.

Types of Coverage

Both kinds of insurance cover things like accidents and damage, but motorcycle insurance often includes extra coverage for custom parts and passengers who ride with you. Car insurance usually doesn’t have these extras.

Cost Differences

Motorcycle insurance is usually cheaper than car insurance. This is because motorcycles are less likely to cause a lot of damage and are often used less. However, the cost can change depending on your motorcycle type, how long you’ve been riding, and where you live.

Usage and Risk

Motorcycles are often used less frequently, mainly when the weather is nice, whereas cars can be driven all year long. Because motorcycles are used less, their insurance can be cheaper.

Personal Injury Protection

Car insurance often includes personal injury protection (PIP) or medical payments to help cover your medical bills if you get hurt in an accident, no matter who caused it. Motorcycle insurance might not always have this coverage, so checking your policy is important.

As you can see, there are many differences between buying motorcycle insurance and auto insurance. If you’re in the market for a new motorcycle insurance policy in the greater Cincinnati, OH area, let the experts at Advantage Insurance Network help you. Call us today to get help creating the perfect motorcycle insurance policy.