Carter Thompson Insurance

Motorcycle Insurance

Motorcycle Insurance Information

Whether you ride a street bike, cruiser, touring bike, or even a custom chopper, your motorcycle equals freedom and adventure. However, riding the open road also brings with it responsibility. The right motorcycle overage ensures you are prepared for your ride. 

Motorcyclists face the same accident and operational hazards as other vehicle drivers, but they do it on two wheels without the defensive shield of an enclosed vehicle. That is why motorcyclists need the protective layer that insurance provides. 

What Does Motorcycle Insurance Cover? 

Motorcycle coverage can protect motorcyclists and their bikes. Coverage can help pay for accident damage, settlements and any other difficulties. Motorcycle insurance can reduce your potential personal losses, whether you’re on the road or parked on your driveway. 

Motorcycle insurance from Carter Thompson Insurance is as unique as you and your bike. We offer a range of coverage options, including: 

  • Collision coverage—This may compensate you if your motorcycle is damaged or lost due to a collision with another vehicle or object.
  • Comprehensive coverage—This may offer compensation if your motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
  • Guest passenger liability insurance—This coverage may help if a guest driver causes an accident while operating your motorcycle without your permission.
  • Liability insurance—This may cover bodily injury and property damage you cause to other drivers if you’re at fault for an accident while operating your motorcycle.
  • Personal injury protection—This may help with medical expenses for you and your riders in case of an accident, no matter who is at fault.
  • Uninsured/underinsured motorist insurance—This may help cover your insured motorcycle if it’s involved in an accident with a driver not carrying insurance.

Additional endorsements can add other benefits such as roadside assistance, custom parts coverage, gear and accessories coverage, replacement cost coverage and gap insurance. 

How Much Motorcycle Insurance Do I Need? 

If you financed your motorcycle, your lender might require that you get collision, comprehensive, gap or other physical damage insurance in agreement with their rules.  

How Much Does Motorcycle Insurance Cost? 

Your motorcycle insurance policy’s cost is determined by various factors, including:  

  • Your bike’s value
  • Your accident history
  • Your chosen coverage limits
  • Your claims history on other motorcycle policies
  • How far you ride each year
  • Where you live

We can work with you to get you a policy with the benefits you want at a most reasonable price.  

When Does Motorcycle Insurance Go Down? 

The cost of your motorcycle insurance policy doesn’t vary unless you take advantage of a seasonal policy plan. Depending on your location in Georgia, you may choose a lay-up policy. If you don’t ride your bike in the winter months, you may not need to fully insure your motorcycle, especially if you store it for an extended period. A lay-up insurance policy suspends all your bike coverage—except comprehensive—for a specific period, enabling you to save on your insurance temporarily.  

How We Can Help 

If you’re on the road, you’re at risk. Motorcycle insurance can help protect your financial security and your riding future. Prepare for whatever the open road may bring with a motorcycle Insurance policy from Carter Thompson Insurance. Our team can help you decide which motorcycle Insurance plan is right for you by determining the discounts and special features you may be eligible to receive. Call us today at 912-384-7171 to get started. 

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