What is Motorcycle Insurance?

Do You Need Insurance for a Motorcycle?

Although it’s not mandatory, almost all states require that you have insurance to allow you to register your motorcycle and get license plates, just like cars. That’s why it’s highly recommended to have insurance coverage for both the rider and the bike, ensuring that you’ll be protected at all times.

With our Motorcycle Insurance policy, you make sure to follow your state’s minimum coverage requirements, which is a legal obligation, and foremost you’re taking care of your safety and safeguarding your valuable bike. As riders are more vulnerable to accidents, our insurance guarantees comprehensive protection in such instances.

Can You Get Motorcycle Insurance Without a License?

Getting insurance without a license can be a challenge, as many insurers are hesitant to cover unlicensed riders. It’s essential to secure insurance as soon as you buy your motorcycle to avoid any kind of risks and penalties. Also, nearly all states will require you to have after-sales insurance for ownership transfer.

It’s crucial to be aware that riding without the proper motorcycle license can result in paying penalties, plus other complications. If you are pulled over, you may face multiple fines and even have your motorcycle impounded. We know this is not an ideal situation, so we advise you to make the smart decision of arranging the coverage that you and your bike need and deserve.

What Does Motorcycle Insurance Cover?

Our Motorcycle Insurance provides comprehensive protection, starting with our standard Motorcycle Insurance coverage that offers financial assistance for bodily injury and property damage in accidents where you’re at fault. Additionally, we designed optional coverages to help you customize your insurance to your specific needs.

PSIC’s coverage options have been crafted to give you peace of mind in all circumstances. Some focus on offering extra protection in the event of a collision, paying for medical expenses, helping pay for repairs or replacement if your bike gets damaged, or even providing financial support when you can’t work due to injuries caused by an accident. Take a look at the variety of additional options that we created for you.

Does PSIC Cover Custom Bikes?

Unfortunately, we do not provide coverage for custom bikes under our Motorcycle Insurance. This means that any modifications made to the structure or mechanical components of the bike would render it ineligible for insurance with us.

However, at PSIC we provide extensive coverage of the accessories you choose to enhance your bike, including custom wheels, paint, and seats. We also offer protection for the specific elements you use when you hit the road with your motorcycle such as protective clothing, helmets, and riding boots, among others with our safety gear coverage.

How Much is Motorcycle Insurance?

The price of Motorcycle Insurance is determined by several factors, including the age and type of your bike, mileage, safety features, your location, and others. While we can’t give you an initial price, we provide affordable rates and a diverse selection of choices to ensure you’re covered on every ride.

Keep in mind that the more coverage you decide to get, the more protected you’ll be, but that will impact the final price of your insurance. Also, note that PSIC has a variety of discounts that you can take advantage of to save money without sacrificing the quality and quantity of protection you deserve. We recommend you contact an agent to start customizing your Motorcycle Insurance now.

Where Does PSIC Offer Motorcycle Insurance Coverage?

At PSIC, we provide Motorcycle Insurance coverage in the states of California, Hawaii, Nevada, and New Jersey.

We plan to expand our Motorcycle Insurance coverage nationwide soon, ensuring all owners the benefit of our reliable insurance solutions.