motorcycle insurance

How Does Buying Motorcycle Insurance Differ From Buying Auto Insurance?

Posted on by AgentInsure

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.

What is the Average Cost of a Motorcycle Insurance Policy in Delhi, OH?

Posted on by AgentInsure

Anyone who has a motorcycle in the area of Delhi, OH will need to maintain the proper kind of insurance coverage to make sure that they are protected from accidents and damage of all kinds. The average cost of a motorcycle insurance policy varies greatly because the coverage that each individual may choose is different.

Generally speaking, there are a few types of coverage that nearly every motorcycle owner will decide to include in their insurance policy. If you include the following three types of coverage in your insurance policy and choose a deductible that you know you can afford, you will usually be able to get the best average rates for a motorcycle policy.

Liability: This is the insurance meant to cover other people. If you’re the one who caused the damage in an accident, the liability coverage will pay for the damages to any others (but not to your own motorcycle.)

Collision: This type of insurance will pay for repairs to your motorcycle whether you caused the damage or not. The only caveat is that the damage must have been caused by, as the name implies, some kind of collision.

Comprehensive: This coverage pays for motorcycle repairs or damages that don’t fit into the collision category. For example, if your motorcycle was stolen, your comprehensive coverage will pay for the repairs. This coverage can also include other things like vandalism, damage from animals, and weather related damages.

To get the average cost for the type of motorcycle policy you want, it is important that you do some comparison shopping. The Advantage Ins Network can provide you with several different policy choices from leading insurance providers – we give you the tools to choose the rate and policy you want!