Massachusetts Motorcycle Insurance
With the cold weather starting to clear out, it’s almost time to get your motorcycle out of the garage. If you ride a motorcycle in the state of Massachusetts, then you legally need to get motorcycle insurance. If you already have car insurance, that’s not enough. You will need a separate MA motorcycle insurance policy. Here are some other things to know about motorcycle insurance in MA:
Massachusetts has the following state minimums for motorcycle insurance:
- $20,000 bodily injury per person
- $40,000 bodily injury per incident
- $5,000 property damage per incident
These are just the bare minimums to keep in mind as you search for an insurance policy. Some riders may find that these amounts are too low and may opt for higher coverage limits. Work with your insurance agent to figure out what amount of coverage is right for you.
Types of Coverage
Other than the minimums for motorcycle insurance, there are additional types of coverages that you may want to get. Because motorcycles are dangerous, it might be a good idea to consider adding some of these onto your policy. These coverages include:
- Medical Payments Coverages – this helps pay for medical expenses if you or a passenger get injured while riding
- Personal Injury Protection – this coverage helps cover things like medical payments, or even funeral expenses
- Bodily Injury Liability Coverage, – bodily injury helps to cover medical expenses if someone else is injured
- Comprehensive and Collision Coverage – comprehensive collision coverage helps if your motorcycle sustains damage in an accident
- Property Damage Liability Coverage – If you damage someone else’s property, this coverage can help with those costs
- Uninsured and Underinsured Motorist Bodily Injury Coverage – in the event you get into an accident where the other driver does not have insurance, or not enough coverage, this can help protect you.
Do I Need a Helmet?
YES. The state of Massachusetts required motorcycle riders to wear helmets. It’s a good idea to do so, regardless of the law. Wearing a helmet could end up saving your life. If you have passengers on your motorcycle, make sure that they have a helmet as well.
What Affects the Cost?
There are lots of different factors that can affect the cost of your motorcycle insurance. Here are some of the big things that are considered:
- The make and model of your motorcycle
- How the motorcycle is primarily used – is it used recreationally? Or do you use it commute?
- Modifications, conversions and customization
- Type of coverage – What do you want in your coverage policy? More coverage often costs more, but offers greater protection.
- Your age – like car insurance, your age can affect your rates
- Your location – In some states, motorcycle insurance is more expensive than in others.
- Driving history – Have you gotten into any accidents?
- Policy limits and deductibles – the amount of coverage you want can also affect the price. Higher limits can cost more. And depending on the deductible, your premiums could go up or down.
- Security and safety features and programs. – Discounts may be an option if your motorcycle has specific features or programs that promote safety. You may also qualify for discounts for taking safety courses. Ask your insurance agent if you qualify for any discounts.
Talk to your insurance agent about getting motorcycle insurance coverage. They can help you get the right coverage. They are also there to help answer any questions and address concerns!