Making mistakes when you purchase motorcycle insurance can be very costly. Fortunately, MSM Insurance Agency Inc. can help bikers in Newark, NJ to make the right decisions when they buy coverage for their motorcycle.

The following are three mistakes to avoid when you choose motorcycle insurance coverage:

Thinking that your motorcycle insurance coverage covers more than it does

You need to completely understand the details of the coverage you’re buying.

Remember that you have to add collision and comprehensive coverage to your policy because a basic liability policy won’t include them. It’s also important to check on options including roadside assistance, rental vehicle coverage, and uninsured/underinsured motorist coverage. 

Only purchasing the state minimum requirement of liability coverage

You’re only legally required to meet minimum liability coverage requirements with your policy. Yet you’ll definitely be more financially secure if you invest in added coverage.

Adding additional liability coverage to your policy might not cost you a whole lot more but could save you from a lot of financial problems down the road. 

Failing to notify your motorcycle insurance provider that you only use your bike recreationally

Motorcycle insurance providers will typically charge customers less if they ride their bikes recreationally rather than on a daily basis. That’s why it’s essential that you let your insurance provider know how often you use your bike.

You might find that your premiums are much less if you specify recreational use only on your policy. 

Schedule A Consultation Today

At MSM Insurance Agency Inc., we’re happy to provide motorcyclists in Newark, NJ with a quote on a motorcycle insurance policy. You can get in touch with us over the phone or online to get a quote on one of our policies.