Motorcycle insurance questions to ask before buying a policy

These are some questions to ask at the beginning of the conversation with your agent or insurer. They help establish the basics of your policy—what it covers, what it doesn’t, and where you might need to add protection.

• What exactly will this motorcycle insurance policy cover?

• Are there any exclusions or limitations?

• What coverages are required in my state, and what’s optional?

• Does the policy cover a passenger?

• Can I take advantage of any motorcycle insurance discounts or bundling options?

Some riders assume having motorcycle insurance automatically means having “full coverage,” but that’s not always the case. The next set of questions can help you understand the scope and limits of your policy.

• Does the policy apply if I ride out of state?

• What are the liability limits, and how do I know if they’re going to be enough?

• Does this policy include uninsured or underinsured motorist coverage?

• Are medical payments covered regardless of who’s at fault?

• Are there restrictions on how or where I ride (commuting, long trips, track days, off-road)?

• Does the coverage apply to all seasons?

One of the main reasons to insure your bike is to protect it. The following questions focus on how your policy applies to the motorcycle itself.

• Is my motorcycle covered for its actual cash value or agreed value?

• Does my insurance cost change if my motorcycle is customized or modified?

• Is theft covered and specific anti-theft devices required?

If your goal is to find the best value possible while staying within your budget, these questions can help.

• What is the cost of my monthly premium?

• Will my premium change after a claim or renewal?

• With this policy, what is my out-of-pocket deductible?

The last thing you want after an accident is to deal with a complicated claims process or unresponsive customer service. Asking the following questions can help you avoid that.

• How do I file a claim, and what does the process typically look like?

• How long do claims usually take to resolve?

• Is customer support available 24/7, and how can I reach them in an emergency?

• Can I choose my own repair shop?

• Is roadside assistance included, and what services does it cover?

As you compare motorcycle insurance options, new questions can come up along the way. When they do, Dairyland^®, a brand of the Sentry Insurance Group, can serve as a helpful resource. A knowledgeable representative is available at 866-324-7952 to talk through coverage options, or you can start a motorcycle insurance quote online when it fits your schedule.