Motorcycle Insurance
Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Getting out on your motorcycle can be an exciting and enjoyable time, but like all other motor vehicles, your bike carries significant risks and exposures. In addition to the hazards experienced by those in cars or other larger automobiles, motorcyclists may be at even greater risk due to their vehicles being less substantial. With these things in mind, you must acquire adequate insurance before getting out onto the road.
Lindfors Insurance Agency has over 75 years of experience helping bikers in Fosston and throughout Minnesota find the right coverage.
How Much Does Motorcycle Insurance Cost?
Like other types of auto insurance, there are several factors that providers must consider before being able to quote you with a price for motorcycle coverage. In general, you can expect the following criteria to be analyzed:
- Vehicle details (e.g., make, model, body type)
- Vehicle usage (e.g., annual mileage)
- Policy details (e.g., number of people named on the policy, coverage limits, deductibles)
You may also be able to reduce your motorcycle insurance costs by completing various training courses or becoming a member of a motorcycle association. Our agents can work with you to find any discounts that may be available to you.
What Does Motorcycle Insurance Cover?
Like standard auto policies, motorcycle insurance can cover a variety of common risks and exposures that may be encountered while your vehicle is parked or on the move. But while coverage can be wide-ranging and diverse, it can also be tailored and customized to suit your specific needs. In most cases, motorcycle insurance can include the following:
- Liability coverage—If you are liable for an accident that results in damages for another party, your insurance can help pay for various costs, including medical care, lost wages, funeral expenses and property repairs.
- Collision coverage—If your motorcycle is damaged after colliding with another vehicle or stationary object, such as a building or fence, this coverage can provide financial assistance for repairs.
- Comprehensive coverage—This coverage protects you from damages accrued by your vehicle from incidents not included in collision coverage, such as vandalism, severe weather, fires and hitting an animal.
- Medical payments (MedPay) coverage—If you or a passenger are injured following an accident, your insurance may be able to pay for the resulting medical expenses.
- Personal injury protection (PIP) coverage—This coverage can often be added to a basic motorcycle insurance policy in Minnesota. PIP coverage provides first-party medical coverage to you if you were involved in an accident and sustained bodily injury, similar to MedPay coverage, but also provides wage replacement benefits.
- Custom parts coverage—This coverage may provide financial protection for various enhancements or customizations of your bike, including paint jobs and special parts.
- Gear protection coverage—This coverage can help pay for repairs or replacements if riding gear, such as your helmet or gloves, is damaged.
- Uninsured/underinsured motorist coverage—If another party is liable for your damages following an accident but lacks adequate insurance, this coverage can help compensate you for their deficiency.
Get the Right Coverage
While riding a motorcycle, a single slip of the tire or lapse in attentiveness can lead to a serious accident. In addition to the potential health and wellness ramifications, your finances could also be severely impacted. Fortunately, by having adequate motorcycle insurance, you may be able to access critical financial aid for various accident-related expenses.
The experts at Lindfors Insurance Agency are well equipped to help you assess your motorcycle insurance needs and build a suitable policy. Contact us today to get started.
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