Superior Motorcycle Insurance Coverage

Plans To Keep You Moving

Premium Policies For Your Motorbike

Protecting Your Right To Ride

Are you a rider looking for motorcycle insurance in Raleigh-Durham, NC? At Barber Insurance, we understand how important your freedom is to you. Whether you’ve got two wheels or four, we can offer you policies that keep you covered as you move. That’s why we offer a variety of comprehensive insurance policies that customize and protect your vehicle no matter where the open road might take you. We find policies with your unique needs in mind, making sure to cover every angle so that you can worry less about what could happen and enjoy more of the thrill of the ride. Our team is dedicated to ensuring you leave with the confidence of knowing that your bike is protected and covered. With decades of experience crafting tailored plans for all kinds of riders, our motorcycle insurance policies provide reliable coverage for whatever comes your way.

Want to work with a team dedicated to keeping you moving? Connect with us today

What Motorcycle Coverage Do I Need?

Understanding The Different Types of Coverage

As a motorcycle enthusiast, you understand the importance of having the right coverage. It’s critical to have adequate protection for your bike, yourself, and your passengers. Your coverage needs may vary based on where you reside, the make and model of your motorcycle, and your driving history. Let’s delve into the different types of motorcycle insurance available to you, so you can make an informed decision. We’re confident you’ll find a coverage option that meets your unique needs.

The most fundamental coverage when it comes to motorcycles or any motor vehicle is liability coverage. This type of insurance is designed to cover damage done to other people or their property if you are at fault in an accident. Liability coverage can be divided into bodily injury and property damage. Bodily injury covers medical expenses for those injured in an accident, while property damage covers any repairs needed to another person’s property due to the accident. Liability coverage is usually required by law in most states, so it’s important to understand your state’s requirements when buying this kind of insurance.

Collision coverage covers any damages done to your bike in an accident, regardless of who was at fault. It also pays for any repairs needed after the accident. Collision coverage can be very helpful if your bike is damaged beyond repair or stolen, as it will pay for a new one up to its market value before the accident happens. It’s important to note that collision coverage does not cover medical expenses or property damage from an accident; that’s why it’s important to have both collision and liability insurance together for full protection.

Uninsured/underinsured motorist (UM/UIM) coverage provides financial protection if the other driver involved in an accident does not carry insurance or has insufficient insurance to cover all damages caused by their negligence in an accident with you as the victim. This type of insurance can help protect you financially when there isn’t enough money from the other driver’s policy to cover all costs associated with an accident they caused involving your motorcycle and yourself, as well as any passengers riding with you at the time of the crash. It can also provide additional protection if someone files a lawsuit against you after they were injured while riding on your bike as a passenger. UM/UIM coverage typically falls under liability and collision policies but may be offered separately depending on where you live and what kind of policy provider offers it in that area.

If you have invested heavily in customizing or upgrading your bike with aftermarket parts or accessories, then adding update value coverage to your policy may be worth considering. This kind of policy allows riders who have customized their bikes with expensive upgrades/parts to receive up-to-date values in case their bikes are deemed a total loss due to theft or damage caused by an accident. The update value coverage pays out based on current market values instead of original prices paid when the parts were purchased, so riders can rest assured they won’t be left paying out-of-pocket costs from their own pockets should something happen to their upgraded motorcycles.

No matter what type of coverage you need, our team can help you find a policy that suits you. Speak with an agent today and see what kind of plan we can come up with for you.

Factors That Affect The Cost Of Motorcycle Insurance

Understanding The Factors Affecting Your Premium

As a motorcycle owner, you understand the importance of having the right insurance policy. But do you know what factors go into determining the cost of your motorcycle insurance? Let’s discuss some of the key elements that affect the cost of motorcycle insurance so that you can make an informed decision about which policy to choose. Let’s dive in!

Your Bike’s Model and Its Value

The model and value of your motorcycle will significantly factor into how much you pay for your policy. If you have a classic bike or an expensive model, it will require more coverage than a standard bike. The higher your bike’s value, the more expensive your premiums will most likely be.

Driving and Claims History

Insurance companies take into account any previous claims that have been made on your policy when they calculate how much to charge for coverage. If you have had an accident in the past, there is a good chance that your premiums will be higher as a result. Additionally, if you have any violations on your driving record, such as speeding tickets or DUIs, these could also increase the cost of coverage.

The Amount Of Coverage You Need

Your motorcycle insurance should provide you with enough coverage so that if something were to happen while on the road, such as being involved in an accident or having property damaged or stolen from your bike, then you would be financially protected from incurring major costs as a result. Depending on how much coverage you want and need, this could also influence how much money you pay for a policy each month. It is important to consider how much coverage is necessary for each individual situation before making any decisions regarding purchasing insurance.

Couple smiling while sitting on a motorcycle

Benefits Of Having Motorcycle Insurance

Reasons To Keep Coverage

Whether you’re a speed enthusiast with an affinity for roaring engines or just a casual Sunday rider, having the right motorcycle insurance is essential. It can protect you financially in case of an accident, as well as provide peace of mind and coverage for other potential costs. But what exactly are the benefits of having motorcycle insurance? Let’s take a look.

One of the main reasons that people get insurance is to ensure their financial security in the case of an accident. We can’t predict everything in life, and insurance is there to help you cover for the things that you can neither predict nor entirely control. Often this is sold as liability coverage plans, which can include lines of coverage for medical bills and legal fees. These are meant to ease the burden of going through a long, drawn-out process following an accident, allowing you to more comfortably get on with your life.

Most motorcycle policies include medical coverage, which will pay for your injuries (as well as those of your passengers) regardless of who is at fault in an accident. This means that if you suffer from broken bones, head trauma, or any other type of injury caused by your crash, your medical bills will be taken care of. In some cases, long-term care services may also be covered, depending on the policy.

In addition to covering liability and medical expenses, motorcycle insurance can also cover damage to your bike due to theft or vandalism. If you opt for comprehensive coverage, it can even help pay for repairs if your bike is damaged due to things like fire, hail storms, flooding, and more—all without affecting your liability coverage in any way. Furthermore, if it turns out that repairing the bike isn’t cost effective, then you may be able to receive replacement value based on current market value (minus depreciation).

One or all of these coverages may be offered within your policy. Check with your agent and your policy documents to see exactly what you’re covered for today. Want more coverage? Looking for a local agency ready to help you find the best coverage? We’ve got your back. Start talking with one of our agents here.

How Barber Insurance Does Motorcycle Insurance Differently

Matching Riders Up With The Best Policies

We understand the unique risks associated with operating a motorcycle, so we strive to offer customized coverage tailored to meet a variety of different needs. Motorcycle owners often require coverage beyond what their traditional car policy offers, and barber companies are conscious of this when crafting their specialty motorcycle insurance policies. Options such as roadside assistance, liability protection, uninsured motorist coverage, and even custom parts and equipment coverage can be invaluable for motorcycle owners. Our affordable premiums and complete transparency makes it easier for our customers to feel confident when selecting the best type of policy for themselves. With Barber Insurance offering an extensive array of coverage options and levels, most riders can find something that meets their individual needs without breaking their budget.