Owning a motorcycle can be a fun way to go on adventures and enjoy the open road. However, motorcyclists also need to maintain sufficient insurance coverage to protect themselves and their bikes. If you’re considering purchasing a motorcycle or already own one and want to learn more about your coverage options, here’s what you should know.

What Does It Cover?

Motorcyclists are generally required to carry liability policies, which cover any damage or injuries that others incur as a result of your motorcycle. Basically, if you get into an accident with someone else, it would cover all or part of their medical expenses and repair costs to their vehicle.

There are also coverage options that go beyond what’s legally required. With extra liability protection, motorcyclists may have their legal fees covered if they’re sued after a collision. There are also policies that provide coverage for the driver’s and passenger’s medical bills, damage to your bike after a collision, or damage resulting from theft or vandalism while the vehicle is parked.

How Can You Lower Rates?

insuranceIf you want to keep your motorcycle insurance rates as low as possible, you’ll need to prove your ability to drive safely. Maintaining a clean driving record is the best way to do this, but you may also be able to get discounts by taking motorcycle training or safety courses.

Additionally, carriers often offer discounts to those who bundle multiple policies. For example, if you also own a car or home that needs to be insured, you can purchase those policies from the same provider to receive a discounted rate. You’ll likely also pay less overall if you pay for each term upfront instead of making monthly payments.


If you’re looking for motorcycle insurance, contact High Rock Insurance Agency in Lexington, NC. The independent insurance agency offers coverage options from a variety of providers, giving you access to affordable prices and customizable plans. In addition to motorcycle coverage, they also offer business, life, health, auto, and homeowners insurance. Request a quote online or call (336) 236-9022 to speak with an agent.