If you use a motorcycle to cruise the roads in Connecticut, you’re legally obligated to have insurance. State law sets minimum requirements, but you might want to purchase additional coverage. 

What Is Liability Coverage?

Liability coverage will pay for medical expenses, legal fees, and other associated costs if you cause an accident that injures someone else. It will also cover property damage that you’re responsible for causing.

Connecticut law requires motorcycle operators to have liability insurance and sets minimum coverage amounts, but those minimums might not be enough to cover the bills if you cause a serious accident. Selecting a policy with higher limits can give you greater financial protection.

What Is Full Coverage?

A motorcycle insurance policy with full coverage can protect you in a wide range of scenarios. Collision coverage will pay to repair or replace your motorcycle if you hit another vehicle or a stationary object, such as a house or a fence. Comprehensive coverage will compensate you for a loss related to a natural disaster, fire, theft, or vandalism. You can also purchase coverage that will pay for a passenger’s medical bills if that individual gets injured in a collision. 

Another driver might cause an accident. If that person doesn’t have high enough limits to cover your losses, or if the individual doesn’t have any insurance at all, uninsured/underinsured coverage can protect you. 

How Can You Choose the Right Motorcycle Coverage?

When selecting an insurance policy, consider how often you use your motorcycle, what types of risks you want to cover, and how much you can afford to pay. Selecting more types of coverage and/or higher limits will lead to more expensive premiums, but that can be a worthwhile investment since it can protect you from a financial disaster if you’re in an accident.

An insurance policy’s deductible is the amount that you’ll have to pay yourself before the insurer will cover a claim. The deductible that you select will also influence your rates. In general, policies with higher deductibles have lower premiums.

Additional factors, such as your age and driving record, can come into play. Insurance companies weigh these factors differently. If you request quotes for the same coverage from several insurers, they might vary widely.

Contacting numerous insurance companies to get quotes can take up a lot of time. Petruzelo Insurance can help you easily gather information and find the motorcycle insurance policy that’s right for you. Contact us today to compare quotes from several leading insurers.