Get Motorcycle Insurance in Natick, MA
Riding a motorcycle can be dangerous. You could be the safest driver on the road and still get into an accident. Motorcycle insurance protects you and your motorcycle in the event of an accident. In Massachusetts, riders are required to have a certain level of coverage from a licensed motorcycle insurance agency.
At Connell & Curley Insurance Agency, we have a team of knowledgeable, experienced insurance professionals who can help you find the right type of motorcycle insurance in Natick, MA, for your needs. Call us to get answers to your questions and explore your options for car and motorcycle insurance.
What Is Motorcycle Insurance?
Motorcycle insurance is similar to car insurance. It can provide compensation for property damage to your bike and physical and emotional injuries caused in a motorcycle accident. Even a standard motorcycle insurance policy can protect you financially and provide you with peace of mind. Most motorcycle insurance policies cover theft, property damage, medical bills and injuries, and injury and property damage caused to others.
Who Needs Motorcycle Insurance?
You need motorcycle insurance in almost every state in the U.S. You are required to carry insurance for bodily injury liability, property damage liability, uninsured/underinsured drivers, and personal injury protection. You need motorcycle insurance if you have a temporary permit, a full motorcycle license, when you’re registering your motorcycle, and at the time that you finance your motorcycle.
How Much Is Motorcycle Insurance?
The monthly premium you pay for your insurance will depend on your location, the type of bike you have, your age, your location, your driving record, the coverage you choose, and the motorcycle insurance company you choose. The average cost of motorcycle insurance in Massachusetts is $21 per month. Your motorcycle insurance cost or coverage depends on the minimum liability requirements for your state as well as your personal preferences and financial situation. In Massachusetts, you must hold these required limits:
- Bodily Injury Liability – $20,000 per person or $40,000 per accident
- Property Damage Liability – $5,000 per accident
- Personal Injury Protection – $8,000 per accident
- Uninsured/Underinsured Motorist – $20,000 per person/$40,000 per accident
Benefits of Motorcycle Insurance
Motorcycle insurance offers benefits beyond just ensuring you comply with your state’s laws. Other benefits of motorcycle insurance include:
- Protection for your bike against vandalism, damage, or theft
- Protection for you against medical expenses, legal fees, lost wages, and other financial losses
- Protection for others who are injured or who suffer property damage in an accident
- Towing or roadside assistance after a breakdown or accident
- Coverage for replacement of your safety gear and belongings
- Peace of mind and reduced stress
- Compliance with your state’s laws
Types of Motorcycle Insurance Coverage
When you work with our insurance professionals, you can explore different coverage options from different motorcycle insurance agencies and companies to find the best one for you. The most common types of motorcycle insurance coverage are:
- Short-Term Coverage – Short-term coverage is necessary if you are borrowing or renting a bike. You can choose daily, weekly, monthly, or pay-as-you-go plans.
- Storage Insurance – Storage insurance is a special insurance plan that is used when you won’t be riding your bike and it is in storage. This coverage is the bare minimum and is less expensive.
- Property Damage Liability – This covers you financially if you damage someone’s property in an accident.
- Bodily Injury Liability – This protects you financially if you injure someone else in an accident.
- Uninsured/Underinsured Motorist Coverage – This protects you financially if you are in an accident with someone who isn’t insured or who does not have enough insurance.
- Collision Coverage – Collision coverage protects your bike from damage in an accident.
- Comprehensive Coverage – Comprehensive coverage protects your bike from theft, loss, damage, or vandalism.
- Additional Coverage – You can also purchase additional riders that cover roadside assistance, personal belongings, trailers, and enhanced injury.
Why Choose Connell & Curley Insurance Agency
Connell & Curley Insurance Agency is committed to protecting our neighbors and friends. We have been in the insurance industry for decades and have strong ties to our community. We know what local homeowners, business owners, renters, drivers, and families need. We go the extra mile in everything we do and work hard to make sure you have the insurance coverage that's right for you. Our professional, licensed insurance agents are independent and can help you decide which insurance company will give you the best coverage for your needs.
Find the Right Motorcycle Insurance Policy Now
Ready to get a quote for the top motorcycle insurance in Natick, MA? Our experienced insurance professionals at Connell & Curley Insurance Agency are standing by, ready to help. We will make sure you find the right motorcycle insurance policy for your needs so that you have optimal coverage and protection. Call or contact us online to request a quote for motorcycle insurance, get professional guidance, and learn more about motorcycle insurance products.