Motorcycle Insurance for New Riders: What You Need to Know

Understanding insurance options might be as important as mastering the riding basics for new motorcycle riders in Winston-Salem, North Carolina.

Whether you plan to cruise through the countryside or simply commute around town, having appropriate coverage could make a positive difference for you and your new bike.

Understanding Basic Coverage Types

North Carolina requires all motorcyclists to maintain minimum liability insurance. This coverage might help with expenses if you’re responsible for an accident that affects others. However, these minimum requirements might not offer enough coverage for every situation, especially considering the unique risks motorcyclists face. Considering coverage beyond the minimum requirements might be worth exploring for new riders especially.

Coverage Options for New Riders

As you begin your motorcycle journey, several coverage types could be important:

• Collision coverage might help repair or replace your motorcycle after an accident, regardless of fault. This coverage could prove particularly valuable for new riders still developing their skills.

• Comprehensive coverage could help with noncollision incidents such as theft, vandalism or weather damage. Winston-Salem’s variable weather conditions make this coverage worth considering.

• Medical payment coverage might help with your medical expenses after an accident. Since motorcycle accidents often result in more significant injuries than car accidents, this coverage could provide additional support beyond your health insurance.

Factors That May Affect Your Rates

Several factors might influence your insurance rates as a new rider:

• The type of motorcycle you choose

• Your age and riding experience

• Where you store your motorcycle

• Your planned usage (e.g., recreational, off roading and racing)

• Your driving history with other vehicles

• Your coverage limits

• Previous claims you’ve filed

Learn More

Contact Charles Brunson Agency in Winston-Salem, North Carolina, to discuss motorcycle insurance options that might work for your situation as a new rider. Our team can help you understand coverage choices that suit your needs.