Before you even think about hopping on your motorcycle and taking off down the street, make sure that you have the right insurance. Your insurance protects you when you’re in an accident on your bike with another driver. It allows you to file a claim whether you caused the accident or someone else did. In addition to looking at the cost of the insurance, make sure you understand the amount of coverage that you need in Massachusetts.
How much is motorcycle insurance in Massachusetts?
Buying motorcycle insurance in Massachusetts is usually cheaper than buying auto insurance. Though some think that motorcycle riders are more likely to have accidents, car accidents usually cause more damage and lead to more injuries.
One thing to keep in mind is the type of insurance you want. Basic plans are the cheapest but only include the minimum coverage required by the state. Purchasing better quality coverage provides much more protection that just getting basic minimum coverage does not cover. Comprehensive plans often cover damage caused by acts of God such as a tree branch that smashes your fuel tank or a fire that ruins your motor. Better quality coverage also could pay for repairs necessary because of vandalism like repainting after someone keyed your bike.
Collision insurance is another type that you can add to your policy. With collision coverage, your insurer pays for damage caused by, you guessed it, collisions with another object. Many insurers also let you add compulsory coverage, which pays when you have an accident with someone who doesn’t have the minimum amount of insurance or has no insurance at all.
How can you find cheap motorcycle insurance in Massachusetts?
Finding cheap motorcycle insurance in Massachusetts, or at least the right amount of coverage at the right price, is easier than you might think. MAPFRE partners with some of the top independent agents in locations across the state and you can request a free motorcycle insurance quote anytime. Once you enter some general info about yourself, you get quotes and the agents can talk with you more about your needs and driving history to help you find a plan you can afford.
The type of bike and your riding history are just some of the factors that affect your cost. You can expect to pay more if you had a few accidents in the past or drive an older bike that lacks modern safety features. The location also plays a role in your cost. Big city residents usually pay more than riders in smaller towns do. Shopping for motorcycle insurance can be confusing, we hope this helped a bit. Why spend hours looking at how much motorcycle insurance is in Massachusetts when you can get a quote today? Look at the available MAPFRE motorcycle insurance coverage options and find the right plan for your bike.
