You wouldn’t get behind the wheel of your vehicle with the proper insurance, so it shouldn’t be any different when you hop on your motorcycle. While you may think that you and your bike are invincible, it is crucial to protect yourself from other riders in Connecticut with a motorcycle insurance policy. Regardless of your riding habits, whether year-round or seasonal, the agents at Encharter Insurance can design a comprehensive policy to meet your needs.

A typical motorcycle policy has the following coverage:

  • Liability
  • Damage to Other’s People Property
  • Physical Damage coverage

While CT policies do not contain Personal Injury Protection, it may be a good idea to talk to your agent about purchasing additional coverage for medical bills in the event of an accident. Medical payments can become costly without the proper limits. You can also ask your insurance professional if an umbrella policy would be a good idea in the event of liability damage and lawsuits.

If you have added some customization to your bike, whether it is performance enhancing parts or add-ons, be sure to check with your agent to ensure the right amount of coverage. In many cases, you will need to add additional coverage for custom bikes. No coverage for accessories exists on a basic policy, so you will need to inform your agent in order to fully cover these pieces. In the event that you need to replace or repair your motorcycle, you’ll want to have the proper insurance.

In order to help make your motorcycle insurance policy more affordable, you can ask about the discount options that are available to you. We don’t suggest cutting your coverage to make your policy premium the price you want. Instead our agents can offer you the following discounts, depending on your qualifications:

  • Multi-policy discount
  • Mature riders
  • Credit for qualified safety courses
  • Renewals

While you are out on the road, think about some of these fun facts about the state of Connecticut:

  • Police can stop bikers who are pedaling over 65 miles per hour.
  • The town of Wallingford has earned a worldwide reputation for its production of silverware.
  • Thanks to the no-lead gas and emission controls in the state, the air in CT is virtually free of airborne lead.
  • Cotton gins, which revolutionized the Southern economy, were first manufactured in New Haven by Eli Whitney in 1793.

Now knowing the proper coverage you should have for your motorcycle, and knowing about the various discounts that are available to you, our agents can start building you a policy. In order to receive the most accurate quote, it is best to have the following information on hand:

  • Year, Make & Model of your motorcycle
  • Value of the bike
  • CC’s of the bike

When you’re calling to update your motorcycle policy, also check in with your agent about your homeowner’s or renter’s insurance policy.  Encharter offers great coverage through a wide variety of policies, so be sure to get the right protection for all of your important possessions.

For more information on motorcycle insurance quotes in CT, call our agents at 888.754.8299 or fill out our online form today!


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