Category: Motorcycle Insurance

Motorcycles are more difficult to keep secure compared to other vehicles. Thieves often target motorcycles because they are easier to steal, making this a prime concern for motorcycle owners. According to Moving Intelligence, about 75% of the motorcycles stolen in May were not recovered compared to the lower rate of 39% of stolen cars that weren’t recovered. Thankfully, insurance agents at Smoller Insurance Agency can help you find coverage to meet your needs. 

Liability Coverage

Many states require that vehicle owners have basic liability coverage. Liability coverage provides the bare minimum coverage necessary. It often covers property damage and bodily injury for people in the other vehicle. However, it doesn’t typically cover damage to your motorcycle or theft. Instead, it focuses on providing the minimum coverage to comply with local, state, and federal regulations. 

Collision Coverage

Collision coverage is a popular vehicle type in Boston, MA, and often covers damage to your car if there’s an accident. For example, get in an accident with a vehicle. The insurance company will often cover the cost of repairs or total out the motorcycle and pay you to purchase another one. However, collision coverage primarily covers accidents, not theft. 

Comprehensive Coverage

Comprehensive coverage is known to cover things that are beyond your control, including theft. This type of coverage may cover acts of God, weather-related, or random events you can’t control. For example, if severe weather strikes and a tree falls on your bike. However, it does often require a deductible. Motorcycle owners are required to pay a deductible before insurance kicks in. Full coverage usually covers theft, too. 

Contact Smoller Insurance Agency

Insurance coverage often varies depending on the state and insurance company. Agents at Smoller Insurance Agency understand the importance of theft insurance for motorcycle owners and are currently serving the Boston, MA area. Contact us to discuss your coverage today. 

Motorcycle theft in the Boston, MA area, in particular, is a significant concern for riders. To safeguard their cherished rides, motorcyclists turn to motorcycle insurance, which offers critical protection against theft and vandalism.

Key Benefits of Motorcycle Insurance for Theft and Vandalism

• Theft Protection: Motorcycle insurance includes coverage for stolen bikes. If your motorcycle is stolen and not recovered, the insurance can help you replace your bike, ensuring you can get back on the road.
• Vandalism Coverage: In the unfortunate event of vandalism, where your motorcycle is intentionally damaged, motorcycle insurance can cover the repair or replacement costs. This protection safeguards your investment from senseless acts of destruction.
• Comprehensive Coverage: Comprehensive coverage, a component of motorcycle insurance, protects a wide range of non-collision perils, including theft and vandalism. This is crucial for motorcycle owners, as it offers all-encompassing protection against unexpected incidents.

Preventing Theft and Vandalism

While motorcycle insurance is a vital tool in protecting against theft and vandalism, there are several preventive measures motorcyclists can take to reduce the risk:

• Security Systems: Invest in high-quality security systems, such as alarms, locks, and GPS trackers, to deter theft and increase the chances of recovery in case of a stolen motorcycle.
• Safe Parking: Park your motorcycle in well-lit, secure areas, preferably with surveillance cameras. Avoid leaving it in isolated or unattended locations.
• Use Motorcycle Covers: Motorcycle covers protect your bike from the elements and deter thieves by concealing its appearance.
• Store Your Motorcycle Securely: Store your motorcycle in a secure storage unit when not in use. This provides an additional layer of protection against theft and vandalism.

Smoller Insurance Agency Can Help You

At Smoller Insurance Agency, we can help answer questions concerning motorcycle insurance. We serve the Boston, MA area. Contact us today.

Congratulations! You’ve bought your first motorcycle and joined the family of two motorized wheels. You have joined a nationwide community of people who, at least in warm-weather months, ride astride heavy metal thunder. You might have serious questions about your motorcycle, its insurance, and how it’s different from a car. Your Boston, MA insurance partners at Smoller Insurance Agency are here to help with your questions.

Motorcycle insurance is more expensive than car insurance

You’ve undoubtedly already noticed that your motorcycle premiums are more expensive than the equivalent auto premiums and probably also wondered why that is. A motorcycle, of course, is less expensive than a car. Unfortunately, motorcycle insurance is a much bigger risk than auto insurance, so motorcycle coverage is more expensive even though the vehicle it’s covering is less expensive. Fortunately, your coverage will get less expensive as you prove you’re a good driver on your motorcycle.

Personal Injury Policies

Car interiors are designed around keeping drivers and passengers safe from harm. Motorcycles are not. If you’re in a motorcycle accident at any real speed, there is a real chance that you’re going over your handlebars. Because of this, personal injury protection coverage, very seldom purchased as a rider on auto insurance, is almost obligatory for motorcyclists.

Laid Up Insurance

It’s no secret that Northeastern winters are harsh. Because of this, many Northeast motorcyclists put their bikes in storage over the long winter, leaving them in storage until the spring comes and they can get out again. Laid-up coverage reduces your insurance costs, but you won’t be covered if you take it out during this time.

Contact Us Today

There are additional coverage add-ons to consider with your new bike Consult your professionals at Smoller Insurance Agency serving Boston, MA for answers to these questions on your motorcycle insurance.

Smoller Insurance Agency assists Boston, MA residents. For over 40 years, we have helped our clients protect their hard-earned assets. We sit down with our clients so that we can assess their individual situations. This allows us to offer them flexible policies tailored to their individual needs. We are confident that we can help you find coverage that evolves as your needs change.

The Key Benefits Of Motorcycle Insurance

Motorcycles are cool assets. You have the freedom to travel around Boston, MA and experience nature at the same time. However, there are a lot of risks associated with operating a motorcycle. That’s why motorcycle insurance is an asset. Motorcycle insurance covers you in emergency situations. You are covered if the bike suffers damage colliding with an object. You can add guest passenger coverage to treat your passenger if they suffer an injury in the collision. Guest passenger coverage will take care of their medical bills.

Sometimes, mistakes happen. Liability coverage protects you if you are held responsible for hurting someone or causing damage. Liability coverage is especially important if you ride your motorcycle through highly populated urban areas. You can amend your policy to add extra coverage. Emergency roadside assistance covers you if your motorcycle runs out of fuel or suffers a mechanical breakdown. You can also add storage coverage, which protects your motorcycle during the months when you aren’t using it. If you have a high-end motorcycle, you may need to amend your policy to add extra coverage. Luxury motorcycles are huge investments, so adding an extra layer of coverage is beneficial.

Smoller Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.