When you shop for motorcycle insurance in Rochester, MN, it’s important to know that there are a few things included in every policy. Knowing what’s included in your policy will make it that much easier to know you’re protected. At Safechoice Insurance Agency, we have agents to ensure you get the needed coverage levels and explore the optional coverage areas.
You need to know that you’re covered if you damage any property with your motorcycle. This includes damaging someone’s vehicle or home after you have gotten into an accident.
If you hit a pedestrian, another motorcycle, or get involved in any other accident, you will be covered with bodily injury liability. You will have the opportunity to cover yourself to the Minnesota state minimums or add more coverage so that you minimize the likelihood of paying out of pocket.
You can also explore some optional coverage levels. This includes collision (which will also cover damage to your own motorcycle) and comprehensive coverage (which covers damage caused by things other than collision). You can also choose to get uninsured/underinsured motorist coverage so that you’re protected if you get into an accident with someone who doesn’t have coverage on their vehicle.
Since you live in Minnesota, it’s also a good idea to explore a lay-up policy. This would allow you to suspend at least a portion of your coverage during the winter months since you likely wouldn’t be on your motorcycle when the weather starts to get too cold.
You should have peace of mind all year long when you’re on the roads in Rochester, MN. If something happens on your motorcycle, you want to know that you can file a claim. Contact us at Safechoice Insurance Agency today to learn more about getting motorcycle insurance that will include protecting all aspects of your bike. We will build your policy and help you to get competitive quotes.