Cruising down the highway on your motorcycle comes with a real feeling of freedom. However, to continue enjoying your time on your bike, make sure you’re riding safely. In addition to wearing a helmet and the proper gear, you should secure a motorcycle insurance policy. The team at BestRate Auto Insurance in Statesboro, GA, is known for offering the best motorcycle insurance rates—here, they explain four kinds of motorcycle insurance you should consider purchasing. 

4 Kinds of Motorcycle Insurance

1. Liability Insurance

If you own a motorcycle, liability insurance is typically mandatory. It covers the amount you would pay to other drivers in the event you cause an accident. As a result, it’s recommended to purchase as much liability coverage as you can afford, particularly if you live in a city where traffic is more dense. Shop around to find the best motorcycle insurance rates in your area.

2. Comprehensive & Collision Coverage

Collision coverage offers financial compensation for the repairs to your motorcycle, helmet, and riding clothing if you cause an accident. Comprehensive coverage is also important to have because it protects you if your motorcycle is either stolen or becomes damaged due to a non-automobile event, such as a tree limb falling on it. 

3. Total Loss Coverage

Total loss coverage pays for the cost to replace your motorcycle if it becomes totaled. The amount you receive will be based on the manufacturer’s retail price of the current model of your bike. If you don’t want to purchase total loss coverage, you can get actual cash value coverage instead, which allows you to receive an amount that’s based on the present value of your motorcycle.

4. Medical Payments Coverage

Accidents involving motorcycles can be physically harmful, so it’s crucial to have medical payments insurance to help with bills if you become injured. This is particularly applicable if you don’t have adequate health insurance or lack health insurance altogether. You’ll receive financial compensation even if you cause the accident.

Do you need affordable and reliable motorcycle insurance? BestRate Auto Insurance in Vidalia and Statesboro, GA, has the best motorcycle insurance rates in the area. Their team is committed to providing customized insurance policies to fit the various needs of their customers. They’ll even work to get insurance for those with poor credit or a bad driving history. In addition to car insurance, they also offer homeowners, boating, RV, and mobile home insurance. Give them a call at (912) 489-5942 to get a free estimate or visit their website to learn more about how their incentive-driven discounts allow them to have the best motorcycle insurance rates.