There’s nothing quite like the thrill of owning your first motorcycle. Whether it’s the freedom of the open road or the weekend rides you’ve been dreaming about, it’s a milestone worth celebrating. But before you kick start that engine, there’s one thing you absolutely need to get right: motorcycle insurance.
It’s Not Just a Smaller Car Policy
Motorcycle insurance might seem similar to auto insurance on the surface — liability, collision, comprehensive. But once you dig in, you’ll realize bikes bring their own set of risks. You’re more exposed, visibility is lower, and accidents often hit harder.
Because of that, insurers look at motorcycle policies through a different lens. You can’t just assume your car insurance experience will translate here. Think of it as a fresh start — one where the right information really helps.
Bare Minimums Might Not Cut It
Sure, most states require a basic amount of liability coverage, but if you’re in a serious accident, the minimum might not stretch far. Medical bills, legal fees, damage to someone else’s property — they can add up fast.
It’s easy to go with the lowest price when you’re just starting out, but give yourself a minute to weigh the risk. Paying a little more now could save you from a financial headache later.
How You Ride Changes What You Need
Your insurance should match your lifestyle. Riding every day? That’s one thing. Only heading out on the weekends when the weather’s right? That’s another. Your mileage, where you store your bike, and how you use it all play a role in the kind of policy that fits you best.
Be upfront when you’re getting quotes. You might qualify for seasonal coverage or low-mileage discounts. It all adds up.
Don’t Overlook Uninsured Motorist Coverage
Here’s something first-time riders often skip: uninsured or underinsured motorist coverage. It protects you if you’re hit by someone without enough (or any) insurance — which, sadly, happens more than it should.
This one might not be required, but it’s worth adding. You don’t want to be stuck with medical expenses because someone else didn’t play by the rules.
Your Gear and Mods Might Not Be Covered
Let’s say you’ve already started customizing your ride. Maybe you’ve upgraded the exhaust or added some sleek new saddlebags. Don’t assume those extras are automatically included in your policy.
Ask about accessory or equipment coverage. Even if you haven’t made upgrades yet, it’s good to know how things are covered down the line.
Taking a Safety Course? That Could Help Your Rate
Besides making you a more confident rider, safety courses can save you money. Many insurers give discounts if you’ve completed an approved motorcycle safety program. Some states even require it for new riders.
It’s a smart move — for your skills and your wallet.
Your Driving Record (and Credit) Still Matter
Even if this is your first bike, your car driving history still follows you. A clean record can help you score a better rate, while tickets or accidents may raise your premium. And yes, in most states, your credit score can also play a part in what you pay.
If you’re working on your credit or have a strong history behind the wheel, that’s something you’ll want to mention when shopping around.
Take Your Time — Compare Quotes
Not all policies are built the same. Coverage options, limits, and extras vary a lot. Before you commit, get a few quotes. Ask questions. Make sure you’re not just paying less — you’re getting more where it counts.
Because this isn’t just about checking a box. It’s about making sure you can ride with peace of mind, knowing you’ve got the right protection backing you up.
If you’re stepping into motorcycle ownership for the first time, give yourself a solid start by choosing coverage that makes sense for how and where you ride. At Kaplan Insurance, we’re here to help you understand your options, no pressure. Explore Motorcycle Insurance that’s built for the road ahead.