motorcycle

Motorcycle Season Is Here! Is Your Coverage Ready?

Posted on by AgentInsure

There is nothing quite like the freedom and excitement of owning a motorcycle. However, when unexpected events occur, having the right insurance coverage is essential. If you spend more time riding during the warmer months, now is an ideal time to review your motorcycle insurance policy. The professionals at Advantage Insurance Network serving Cincinnati, OH can help you evaluate your current coverage and make adjustments if needed.

What Does Motorcycle Insurance Typically Cover?

The coverage provided by motorcycle insurance depends on the type of policy you carry. Similar to auto insurance, motorcycle insurance includes several coverage options that can be combined based on your needs. Common types of coverage may include:

  • Liability coverage: Helps cover expenses if you are responsible for causing injury to others or damage to another person’s property while operating your motorcycle.
  • Comprehensive coverage: May help cover damage to your motorcycle caused by non-collision events such as theft, vandalism, or severe weather.
  • Collision coverage: May help pay for repairs or replacement of your motorcycle if it is damaged in a collision, regardless of fault.

Not every policy includes all of these coverages. Reviewing your policy documents or speaking with an insurance professional can help you understand what is currently covered and where gaps may exist.

How to Know If Your Motorcycle Insurance Is Enough

Determining whether your coverage is adequate can be challenging. An insurance professional can help by asking the right questions about how often you ride, where you ride, and the value of your motorcycle. This review helps ensure your coverage aligns with your lifestyle and risk level.

When to Review Your Motorcycle Insurance Policy

Motorcycle season is a great reminder to review your insurance coverage. Do not wait until an accident or loss occurs to find out your policy falls short. The team at Advantage Insurance Network serving Cincinnati, OH is ready to help you review your motorcycle insurance and explore options for better protection.

Does Motorcycle Insurance Cover Sidecars?

Posted on by AgentInsure

There’s nothing cooler than riding a motorcycle on a warm and sunny day. Well, maybe a motorcycle with a sidecar is a bit cooler. Made popular by the live action Batman and Robin show, motorcycle sidecars are timeless.

There is some question as to how to properly insure a motorcycle sidecar in Cincinnati, OH.  Advantage Insurance Network is here to provide clarification.

Coverage for Motorcycles With Sidecars

Though sidecars aren’t as popular as they were in previous decades, they are still added onto traditional motorcycles for convenience and the cool factor. Many motorcycle insurance policies group sidecars with accessories such as luggage racks.

However, if your policy doesn’t have accessory coverage, there’s a good chance your sidecar won’t be covered. Reach out to your insurer to determine if you can add accessory coverage or add-on coverage for the sidecar.

Sidecar Insurance Is a Must

The addition of a sidecar to your motorcycle changes the riding experience. Sidecars add weight and change motorcycle handling, making it more challenging to navigate the road. Insure your sidecar with the right coverage and you’ll take on the new riding experience with confidence. Though your motorcycle insurance rate will increase with the addition of an insured sidecar, the fun factor of riding with a friend will prove invaluable. 

Do your due diligence when insuring your sidecar by shopping around. Compare sidecar insurance quotes in the form of accessory coverage and move forward with the best coverage at the fairest price. Continue digging and you’ll find different coverage levels ranging from comprehensive to customized coverage, third-party and inclusive third-party, fire and theft.

Get a Quote From Advantage Insurance Network

Serving Cincinnati, OH, the Advantage Insurance Network makes it easy to live the sidecar life without worry. Reach out to us today to learn more about motorcycle insurance coverage.

Can You Get Car Insurance Instead Of Motorcycle Insurance?

Posted on by AgentInsure

Many people assume that car insurance covers all types of vehicles, but it’s not that simple. Motorcycles and cars often fall into different insurance categories, meaning you may not be able to use car insurance for your bike. Here’s everything you need to know.

Vehicle Specifications

Auto insurance typically applies to vehicles with four wheels. Motorcycles are often excluded from car insurance policies because they require specialized coverage designed specifically for bikes. Agents at Advantage Insurance Network can help you understand the differences between these policies.

Motorcycle Insurance

Motorcycle insurance policies are tailored to meet the unique needs of bike riders. These policies often include higher coverage limits for bodily injury, as motorcycles are considered more dangerous than cars and trucks.

Similar to car insurance policies in Cincinnati, OH, motorcycle insurance offers coverage options such as liability and comprehensive. Many policies also provide add-ons, including roadside assistance and coverage for rental costs after an accident.

Bundle Options

While you may not be able to include your motorcycle on your car insurance policy, you can often bundle the two policies together through the same provider. Bundling allows you to manage all your vehicle insurance needs in one place, rather than working with separate companies.

At Advantage Insurance Network, we understand the specific needs of motorcycle owners. You need a policy that meets state guidelines, and you may want additional coverage to protect upgrades or customizations. We can help you find affordable coverage that ensures your bike is protected if something happens. Contact us today to learn more. We proudly serve the Cincinnati, OH area.