What You Should Know About Motorcycle Insurance
Having the right motorcycle insurance is not just a legal requirement—it is one of the smartest decisions you can make as a rider. Whether you are picking up your first Harley-Davidson® motorcycle or adding to a collection you have built over the years, understanding your coverage options before you hit the road puts you in a much stronger position!
What Does Motorcycle Insurance Actually Cover?
Most policies are built around a few core types of coverage. Liability coverage pays for injuries or property damage you cause to others in an accident. Collision coverage handles repairs to your own motorcycle after a crash, regardless of fault. Comprehensive coverage steps in for non-collision events like theft, vandalism, fire, or weather damage. Many riders also add uninsured/underinsured motorist coverage, which protects you if the at-fault driver in an accident does not carry adequate insurance.
What Affects the Cost of Your Premium?
Insurance companies look at several factors when calculating your rate. Your riding history plays a big role—a clean record with no accidents or violations typically earns a lower premium. The type of motorcycle matters too, since a high-displacement touring bike may be rated differently than a smaller model. Where you store the bike, how many miles you ride annually, and whether you have completed a safety course can all influence what you pay. Some insurers also offer discounts for bundling motorcycle insurance with an existing auto or home policy.
Should You Carry More Than the State Minimum?
Maryland requires riders to carry minimum liability coverage, but meeting the minimum does not always mean you are fully protected. If your Harley-Davidson® motorcycle holds significant personal or financial value to you, carrying collision and comprehensive coverage is worth the added cost. Medical payments coverage is another option worth considering, since it helps with your own medical expenses after an accident, regardless of who was at fault.
Getting your motorcycle insurance sorted before you ride is just as important as gearing up properly. Our team at Harley-Davidson® of Baltimore is happy to point you in the right direction and answer questions as you prepare for your next ride. Stop by and see the current lineup of Harley-Davidson® motorcycles, talk through your options, and ride out with the confidence that comes from being properly covered!