There’s a certain freedom, like no other, you experience when riding a motorcycle on the open roads. New Jersey is home to several scenic roadways for beautiful motorcycle rides like Sunrise Mountain Rd. in Branchville, Great Bay Blvd. in Tuckerton, and State Road 29 from Frenchtown to Trenton.
Before you ride these beautiful roads, though, it’s important to make sure your motorcycle has adequate insurance coverage to meet all contingencies. We’ve served New Jersey motorcyclists’ insurance needs for the past 50 years and are excited about all the great things the next 50 have in store.
Let our independent agency and professional agent provide you with the right touch of personal service and industry expertise to give you the motorcycle package you need to protect your machine and your interests whenever things go wrong on the road.
Who Needs Motorcycle Insurance?
Anyone who owns or plans to ride a motorcycle needs motorcycle insurance. The coverage it provides protects you and the machine you’ve invested so much into. There are many different types of motorcycles though, including the following:
- Classic Motorcycles
- Competition Motorcycles
- Dressers or Touring Motorcycles
- Electric Motorcycles
- Sports Bikes
- Standard Motorcycles
- And More!
You can even get ATV insurance, golf cart insurance, and various other coverage for recreational vehicles that aren’t quite motorcycles. The key is to make sure that whatever type of machinery you own is covered by the right amount and type of motorcycle insurance.
What Kind of Coverage do You Need?
Different riders have different needs when it comes to insurance coverage. Motorcycles all present a fair amount more of risk to the driver and passengers than passenger vehicles that have numerous safety features.
There’s nothing between you and the road, when you ride a motorcycle, except a few protective items of clothing and a helmet (the state of New Jersey requires the use of helmets by all parties riding and/or operating motorcycles).
This makes medical costs related to motorcycle accidents even more important as the numbers can rise quickly beyond the standard maximum insurance payout amount. Medical payments insurance, as a result is a no-brainer for motorcyclists. Those listed below are also worth considerations to keep in mind.
- Bodily injury and property damage liability
- Comprehensive and collision
- Custom parts and equipment (This covers aftermarket and custom parts that would otherwise not be reimbursed to you. It’s generally an agreed upon dollar amount that may or may not be subject to depreciation depending on the insurance provider)
- Roadside assistance
- Uninsured/Underinsured motorist
There are other coverage options you may want to consider, such as trip interruption insurance and coverage that provides you with a nice place to stay overnight if you’re caught away from home when an accident occurs. The key is to match the coverage you choose with your riding routine. If you never take your bike on longer rides, for instance, these coverage types would be unnecessary.
Why Work with Us for Your Motorcycle Insurance Needs?
We understand New Jersey’s roadways and the love of exploring them. We also understand the various risks riders face every day. Because we’re located right here in the Garden State too, we’re here when you need us. That’s why we believe we’re the best choice for you.
What’s more? Because we are an independent insurance agency, we work with multiple first-rate carriers to match our motorcycle enthusiasts with the best quotes for the most suitable insurance polices.
Call today or go online for your free rate quote with us. Discover why it’s better to go with knowledgeable and helpful agents close to home that deliver personal service when you need it most. It’s much better to have affordable full coverage insurance with agents who are there when you need them than inexpensive or cheap cut-rate insurance that do not deliver when the time for personal service arrives.
CONTACT US NOW TO SEE HOW WE CAN HELP YOU GET THE RIGHT MOTORCYCLE INSURANCE COVERAGE FOR YOUR NEEDS TODAY!