2Wheeltips

Why should you have motorcycle insurance?  First of all, it is the law in all states.  Minimum coverage requirements vary by state so check with your local DMV.  You should have enough insurance to cover damage to people or property in the event of an accident.

Law enforcement is well aware that many riders are neither licensed nor insured. Police officers routinely set up rider checkpoints to catch unlicensed, uninsured riders. This happens more than you think, especially during motorcycle events and on popular motorcycle routes. Needless to say, if you are caught riding without insurance you could have your bike seized and impounded and pay a very heavy fine. If you are in an accident, you could also be forced to pay damages out of your own pocket.

Need we say more?  Perhaps a few reminders:

1. If you take the motorcycle safety course, you can usually get a discount on your insurance.
2. If you buy a non-racing bike, you can significantly reduce the amount that insurance will cost.
3. Get insurance bids from various companies; you may be surprised at the variations in rates!
4. In colder states with short riding seasons, 6 month insurance policies are available.

The bottom line is:
Save money where you can, without putting yourself at financial risk in the even of an accident, but NEVER ride without insurance!