Hawaii
motorcycle insurance – how to protect yourself and your bike
Not all motorcycle owners ride for the same reasons. Maybe you ride simply because it’s a cheap and convenient way to get around town. Maybe you enjoy the social aspect of riding with groups of riders. Or maybe you’re a true aficionado and love taking your baby out on the open road to feel the wind in your face. Whatever your reason for riding, you know you have to protect yourself, your passengers, and your machine. And that’s where
Hawaii
motorcycle insurance comes in.
Coverage
Motorcycle insurance generally works the same way as car insurance. There are some differences. For example, one particularly interesting option offered by many
Hawaii
insurers is lay-up insurance, which is targeted at riders who put their motorcycles away during the winter months. During the lay-up period, you are covered against theft and other adverse events that might occur while your vehicle is in storage, but nothing else. Lay-up insurance carries a lower premium than full coverage, but if you decide to take your bike on the road during this period, you are not covered in the event of an accident. (So don’t do it!)
Here are some of the typical coverages options for
Hawaii
motorcycle riders:
- Liability coverage
- Uninsured/underinsured motorist coverage
- Comprehensive coverage
- Collision coverage
- Motorcycle medical payments and personal injury protection
- Guest passenger liability coverage
- Rental reimbursement coverage
- Gap insurance
- Accessories coverage
- Personal item or “carried contents” coverage
- Original equipment manufacturer (OEM) parts coverage
Your total level of coverage depends on what you feel is best for your needs, which may depend on the value of your motorcycle, your level of personal assets, and your budget to pay premiums.
How to choose an insurer and a policy
Our advice for choosing a motorcycle insurer is the same as for car insurance: it all comes down to price and claims. You pay the price, and then you hope you never have to find out about the claims service. But if you need it, you want to be confident that it will be satisfactory.
When it comes to pricing, of course it depends on where you live, how old you are, and your driving record. But for motorcycle insurance, a major determining factor is the type of motorcycle you ride. Bikes with big engines and high-end builds cost much more to insure. Because there are so many different elements involved in pricing, it can be tricky to make a simple apples-to-apples comparison between all the different insurers. Here are just a few of the factors:
- Your age and the state you live in
- How many miles you drive
- Your past driving record
- The type of motorcycle you own, and where you live
- The specific coverage you choose
- Discounts
- Claims servicing
How to buy motorcycle insurance
The basic process for selecting and purchasing a motorcycle insurance policy boils down to a few key steps:
- Determine the type and amount of coverage you need
- Get a few quotes to compare
- Choose the way you want to buy
- Compare your quotes and make a choice
Learn more about the buying process, difference coverages, claims servicing, insurance providers and more on our general
motorcycle insurance
page.
Ride safe
We this helps you find the right insurance plan and carrier for you
Ride safe and enjoy!
