Riding a motorcycle is a completely different experience than driving a car, and the insurance that covers each one reflects that difference in a big way. If you are switching from a car policy or adding a bike to your garage, understanding what sets these two types of coverage apart can save you from some costly surprises. Shavano Insurance Agency LLC in San Antonio, TX is here to help you make sense of it all.
Coverage Works Differently for Each
Auto insurance is built around a vehicle that offers physical protection to its driver and passengers. Motorcycle insurance takes a different approach because the rider is far more exposed to the road. Bodily injury liability, collision, and comprehensive coverage exist in both policies, but motorcycle insurance often includes specific protections like guest passenger liability and custom parts coverage that a standard auto policy does not typically offer.
The Risk Factors Are Not the Same
Insurers view motorcycles as higher risk vehicles, and for good reason. Riders are more vulnerable in accidents and injury costs tend to be significantly higher. Because of this, your premium will be calculated differently than your car insurance. Things like engine size, riding history, and even the time of year you ride can all influence what you pay for motorcycle coverage.
Understanding Your Policy Before You Ride
Assuming your auto policy covers your motorcycle is one of the most common and expensive mistakes riders make. These are two separate types of insurance with different rules, limits, and exclusions. Before you hit the road, make sure your coverage actually matches your needs. Reach out to Shavano Insurance Agency LLC in San Antonio, TX to get the right motorcycle policy in place today.
