Americans love hitting the open road on two wheels from daily riders commuting to work to weekend warriors cursing over the back roads.
Motorcycle aficionados and the bikes they ride range in all shapes, sizes, and price ranges.
One thing they have in common, however, from vintage Moto Guzzi to brand new Moped owners is that they need more protection than just a trusty helmet – they need special motorcycle insurance.
“Whether you've just purchased your first motorcycle, or you're an experienced driver looking for a better rate, the last thing you want to worry about is if you can afford an accident,” Dean & Draper President and CEO Kyle Dean said. “A good insurance agent can help you ensure your beloved bike, and personal safety, with a motorcycle insurance plan that makes the most sense for you.”
Motorcycle policies, like two (and three!) wheeled vehicles such as scooters, trikes, cruisers, street bikes and more, come in all varieties.
Motorcycles have been gaining popularity in the United States in recent years, and that trend gained a turbo boost this year as gas prices skyrocketed at the pump.
While the average motor vehicle gets less than 25 miles per gallon on the road, motorcycles can clip down the highways and byways getting a wallet-friendly 50 to 60 miles to gallon.
Statista says the motorcycles will continue to be a popular choice with the following project growth:
Motorcycles, by their very nature, offer less protection to drivers and passengers between themselves and the road, and crashes can be quite dangerous, and sometimes fatal.
Motorcycle Sport World points out that while passenger cars are involved in fatal crashes at a rate of 1.42 per every 100 million miles traveled in 2019, the rate for motorcycles was 25.98 per every million miles – almost 20 times higher.
Other sobering statistics to ponder from Motorcycle Sport World:
o Alcohol and drug impairment.
o Distracted driving.
o Reckless driving.
o Speeding.
o Road rage.
o Poor or impaired visibility.
o Drowsy or sleepy.
o Improper lane use
o Lower extremity injuries occurred in 47 percent of collisions.
o Upper extremity injuries occurred in 40 percent of collisions.
o Head injuries occurred in 35 percent of collisions.
o Chest injuries occurred in 31 percent of collisions.
o Spine injuries occurred in 20 percent of collisions.
o Abdomen injuries occurred in 15 percent of collisions.
o Face injuries occurred in 10 percent of collisions.
Given these statistics, it is imperative that motorcycle owners have the proper motorcycle insurance coverage to protect themselves and their rides.
“Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle—and to be within your budget,” says the Insurance Information Institute (III).
Dean points out that motorcycle insurance can help protect you and your motorcycle from:
While most states require motorcycle riders to carry a minimum amount of liability coverage, there is a wide latitude about the type of motorcycle insurance coverage that can be purchased.
The III breaks down motorcycle coverage options into:
What factors can affect my motorcycle cost?
Insurance providers will take the following into consideration when pricing your premiums:
Contact Dean & Draper today to make sure you have the best motorcycle insurance available.
Dean & Draper is a Trusted Choice insurance agency representing numerous insurance companies. For over 40 years we have offered a trusted freedom of choice to our clients. Contact Dean & Draper today.
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