Motorcycle Insurance in Schaumburg, IL
If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged.
What does it cover?
The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:
- Liability protections (e.g., bodily injury and property damage liability): For injuries or damages you may cause to someone else while riding your motorcycle.
- Additional protections: If you are injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist.
- Property damage: Caused by a collision with another object.
- Property damage: Caused by vandalism, fire, theft or other covered losses.
- Roadside assistance.
- Towing.
- Trip interruption expenses.
- Additional or specialized equipment.
Contact our agency now to learn more about the protections that may be available to you.
Why do you need Motorcycle Insurance?
Depending on where you live, motorcycle insurance may be required by state law. What is more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Without an insurance, you may have to pay for all incurred expenses out-of-pocket.
What Type of Insurance Should You Get for a Motorcycle?
Illinois requires motorcyclists to carry liability coverage to help cover third-party property damage and injuries in an at-fault accident.
Many riders also choose comprehensive and collision coverage to help cover theft, vandalism and other damage to the bike. Your agent may also recommend uninsured motorist coverage and roadside assistance.
How Much Does Motorcycle Insurance Cost
Motorcycle insurance costs vary based on factors like the rider’s age, driving history, location, the bike’s value and coverage levels. Sport or high-performance bikes can cost significantly more to insure. Discounts for safe driving, bundling policies or completing safety courses can help lower the premium. Contact our team to compare personalized motorcycle insurance quotes.
How can I get Motorcycle Insurance?
If you need a motorcycle insurance policy, we are here to help. Call ViVa Insurance Services to discuss your needs and request a free instant quote today for a policy that is right for you.