Motorcycle Insurance Is a Must… So How Do You Get It?

Riding a motorcycle is not just exciting, it is a great pastime and a big responsibility. Not only do you need to learn how to operate the motorcycle safely, but you must also be aware of keeping other drivers safe while you ride your fancy set of wheels. Not to forget, you need motorcycle insurance in Nova Scotia too.

Acquiring motorcycle insurance is not that much different than getting auto insurance. However, the amount and types of coverage available will vary.

How to Find the Best Motorcycle Insurance

Nova Scotia insurance brokers can find you the best type of motorcycle insurance based on your budget and coverage needs. In the meantime, while you are shopping around, there are a few steps you can take on your own:

  • Get the Information about Your Bike - The type of motorcycle you need to insure matters. So, you need to gather the essential information like your motorcycle’s year, make, model and CCs.
  • Coverage Type - Motorcycle insurance works similarly to auto insurance and may cover physical damage to your bike as well as medical expenses. When choosing an insurance type, you will want to consider any customizations or expensive components on your bike that basic level coverage may not include.
  • Insurance Provider - This is where experienced Halifax insurance brokers are helpful. They can compare insurance providers that are motorcycle-friendly, ensuring you get the best rates and coverage. You may even qualify for a multi-policy discount if your existing auto insurance company also offers motorcycle coverage.
  • Look for Discounts - You can get a discount on motorcycle insurance just like you can on auto insurance. Sometimes, being a member of a riding association or taking a motorcycle safety course can lower your premium.
  • Consider Your Deductible - When choosing a deductible, think of how often you ride your motorcycle and how much you can risk paying if you need to file a claim. Higher deductibles mean lower premiums, but you should still have that cash on hand in case you do file a claim in the future.

Motorcycle insurance is all about protecting yourself and your investment. Like most motorcycle riders, you cherish your bike and the moments you have on it. By getting the right amount of coverage, you can sit back and enjoy the ride without a worry.