motorCycle Insurance in Vermont

Motorcycle Insurance for Vermont Riders

If you own a motorcycle, you understand the thrills of the open road, the wind whipping in your face, and the freedom you feel when riding your bike. You also understand that the risks – slippery roads, careless drivers, and other hazards, can leave you injured, your bike damaged, and your finances upended. Before you head out for a ride through scenic Vermont, make sure you have proper motorcycle insurance.

Learn About Your OptionsRiding a motorcycle is one of the greatest joys for enthusiasts. However, it is not without risk. By investing in proper motorcycle insurance coverage, you can better protect your finances in case of an accident or other damage, as well as being fully compliant with Vermont state mandates.

Enjoy that open road knowing that you are insured. Insuring your bike is not only a good idea; it is a legal obligation. In Vermont, motorcycles are subject to similar insurance requirements as snowmobile insurance in the winter.

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Vermont State Requirements

Specifically, VT requires that bikers have minimum liability coverage including:

- $25,000 per person for bodily injury.

- $50,000 per accident for bodily injury.

- $10,000 for property damage per accident.

- Uninsured motorist coverage consisting of $50,000 per person/$100,000 per accident of bodily injury and $10,000 of property damage per accident.

This minimum coverage will help defray the costs if you are found at-fault for an accident. However, it may not be sufficient for all accidents. You should speak with your insurance agent about purchasing additional liability coverage if desired.

Motorcycle Insurance Options

In addition to the state-required coverage, there are many options you can include in your motorcycle insurance policy. Similar to auto insurance, some of these options include:

- Medical payments coverage, to help cover injuries and medical costs for you and your passengers.

- Collision coverage to help pay for damages to your bike in a collision accident.

- Comprehensive coverage to help pay for non-collision damages, including theft, vandalism, and fire.

- Towing and rental coverage.

Motorcycle policies have some other options unique for bikers. If you have made upgrades, such as a custom paint job or sidecar, Accessory Coverage can help cover the costs of restoring your bike to this condition. You can also purchase gear insurance to help pay for the expensive safety gear and other personal belongings that you store on your motorcycle in case of theft or damage.Talk to an Agent!

Save Money with Discounts

As with auto insurance, your premium costs are based on your location, vehicle storage, age, driving record, and other factors. Many carriers offer discounts for completing a safe driving course and maintaining a safe driving record.

When you are living in VT, riding your motorcycle is often a seasonal activity. If you intend to only ride your bike in the spring and summer, discuss seasonal coverage with your agent. In the winter, you should do the same for your vermont snowmobile insurance coverage. This discounted policy can provide more limited coverage in the off-seasons, saving you money at the times when you cannot safely ride on the street. Be sure to understand the limitations of this policy to ensure you have proper insurance before heading out on the roads.

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