Utah motorcycle insurance policies offer protection for you and your bike if you are involved in an accident. Not only does insurance for your motorcycle support you financially, but it is also required by law. Neglecting to get motorcycle insurance results in fines and penalties, but motorcycle insurance companies can help you find the plan that is right for you and your budget. When it comes to UT insurance for motorcycle drivers, there are many options, whether you are looking to meet only the minimum requirements or you need more extensive coverage. You can even shop for motorcycle insurance online and compare prices. You can get motorcycle insurance quotes here. Coverage policies range depending on various factors. Continue reading to learn about the specifics regarding motorbike insurance and how to buy a policy that suits you.
Requirements for Motorcycle Insurance in Utah
The first step in learning how to get motorcycle insurance is to find out what requirements are set forth by the state. While there are some differences between UT motorcycle insurance and auto insurance, several of the requirements are the same. For example, your plan must include the following minimum liability requirements:
- $25,000 per person for bodily injury liability
- $65,000 for two or more persons for bodily injury liability
- $15,000 for property damage liability
You may hear Utah motorcycle coverage professionals refer to these values as 25/65/15. Remember that these numbers represent the minimum requirements and are necessary no matter what type of insurance you are purchasing. When considering UT motorcycle insurance, some motorcyclists may feel more secure with collision and/or comprehensive coverage. Full coverage motorcycle insurance is a bigger investment, but it will offer more protection in the event of an accident. To see all your options, compare motorcycle insurance costs here.
Reasons to Have Motorcycle Insurance in Utah
Utah motorcycle insurance is essential for several reasons, with the first being that it is illegal to drive a motorcycle without it. Utah’s Financial Responsibility Law states that all drivers, including motorcyclists, must be able to prove that they have insurance. Due to this law, motorcycle insurance policies are visible to law enforcement and other state officials in a database if they need to verify your financial responsibility. If you are pulled over or report to the Driver’s License Division to renew your license or registration, then your insurance can be confirmed in the system. Failing to insure your motorcycle in UT could mean paying fines or losing your registration.
Another reason to have motorcycle insurance is to protect yourself from substantial out-of-pocket expenses if you are involved in an accident. Your Utah motorcycle insurance cost will support you financially in the event of a collision. The costs of accidents can add up quickly, especially if there are property or roadway damages or if someone suffers injuries as a result of a collision. All vehicle accidents have the potential to be costly and to cause damage, but motorcycle accidents are known to be some of the worst in terms of injuries. UT motorcycle insurance is crucial if you want to avoid significant out-of-pocket expenses on top of the penalties mentioned above.
If Utah motorcycle insurance costs deter you from purchasing a plan, then consider getting cheap motorcycle insurance. Even the most affordable motorcycle insurance plans have to meet the minimum requirements and will protect you in the event of an accident. Save money by getting an online motorcycle insurance quoteright here and compare it to others you have received.
Utah Motorcycle Insurance Costs
You may be asking, “How much is motorcycle insurance in Utah?” if you are shopping for a plan. UT motorcycle insurance prices vary depending on your driving record, credit score, demographic information and geographic location. Another item that affects your motorcycle insurance cost is your motorbike’s features. To get the best motorcycle insurance rates, let your adjuster know if you store your motorcycle in a safe place, how many miles you drive it and if you took a motorcycle safety class. He or she may also ask if you ride alone and if you belong to a motorcycle association. All of these factors can lead to lower premiums.
Before your agent can complete your Utah motorcycle insurance policy, he or she will also need the following information:
- Your name, address and Social Security Number
- Your motorcycle’s vehicle identification number
- Your driver’s license and vehicle registration, if you have it already
To get the most affordable motorcycle coverage, you can shop around at various agencies and ask for quotes. You can save money by comparing each motorcycle insurance quote you receive when you research plans. Motorcyclists can also get motorcycle insurance quotes online here.