When you drive a motorcycle, you are required by Colorado law to have at least the state minimum. Typically, only purchasing the minimum motorcycle insurance coverage doesn’t protect you from the dangers of driving on the road.
At Pikes Peak Insurance Agency, we offer a variety of motorcycle insurance policies that cover many different types of motorcycles. Whether you are driving a classic Harley Davidson bike, or you own a sports motorcycle, we have the coverage to help you protect against accidents.
Understanding Liability Motorcycle Insurance
In general, basic motorcycle insurance coverage only covers liability. Liabilities are financial costs you may incur if you are found responsible for an accident. If you are in an accident and you have liability insurance, you may be covered by your insurance policy; however, you will need additional insurance to repairing or replacing your motorcycle if it is damaged.
Driving Safely Reduces Your Chances of Having an Accident
Driving a motorcycle can be dangerous, even if you are a safe drive. When you drive your motorcycle recklessly, you increase your chances of getting into an accident. Accidents place your life and others in danger. Additionally, accidents that don’t result in injuries can lead to insurance increases, as well. You can protect the rate you pay for your motorcycle insurance by keeping the following in mind while you are driving:
- Wear a helmet to protect your head.
- Wear protective gear while riding.
- Don’t drive during bad weather.
- Watch for distracted drivers when you are driving.
These defensive driving tips will help you save your life and the lives of others around you.
If you need motorcycle insurance, don’t hesitate to give us a call at Pikes Peak Insurance Agency. We have a host of insurance products that can help you protect yourself. Our friendly agents are knowledgeable and ready to offer you insurance coverage that meets your needs.