If you live in Hartford and you drive a motorcycle, the law requires that you carry insurance coverage. Luckily this insurance is significantly more affordable than automobile insurance. This is due to the fact that repair or replacement of a motorcycle is cheaper than that of an automobile. Depending on the policy purchased you may be able to get insurance for as low as 10 dollars a month in Hartford.
What coverage is required?
The type of motorcycle insurance required in Hartford depends on a few factors. The state minimum is liability insurance. This insurance will help you cover the cost of damages and bodily injury to the other parties in an accident if you are found to be the responsible party. It does not cover any damages to your motorcycle. If you are making payments on your motorcycle, or have a lien on your title most times you are required to have full coverage insurance. This coverage will assist with the cost of damages to your motorcycle and the other party’s assets as well if you are deemed liable in an accident. For additional coverage you can add options to your policy. The un-insured option means that if someone causes the accident you are in involved in but does not have insurance coverage, your motorcycle will be repaired by your insurance company. Additional comprehensive insurance covers most damages unrelated to an accident such as fire, flood, weather, vandalism and theft. If you hit an animal and it damages your motorcycle, most times it will be covered under comprehensive insurance.
How can I get the best deal?
In order to save the most money it is recommended to call around to many different insurance agencies and ask for quotes. Keep in mind though that all quotes are not created equal, so be sure to ask how much coverage they are quoting you. Two different companies may quote you the same price, but one may be offering that price on minimal coverage. Insurance is there for your peace of mind, and to protect all motorists of the road in the event of an accident. Be sure that you know exactly what is covered. No one wants to find out in the event of an accident that they have to pay 500 dollars as a deductible, or that they have to pay for all the repairs themselves. Don’t wait until it’s too late to become informed.
Deductible charges explained
A deductible is the monetary sum that you are eligible to pay up front to the insurer prior to them covering the cost of damages. For example; you are in an accident and your motorcycle needs 1,200 dollars in repair. If your deductible is 100 dollars, this is the amount of money you have to pay your motorcycle insurance agency in Hartford before they will cover the additional 1,100 for the repairs. As a general rule, the higher your deductible, the lower your monthly payment will be.
If you are searching for affordable motorcycle insurance in Hartford, look no further! Auto-Cycle Insurance Inc. has been providing insurance for over 30 years and their rates start as low as 126 dollars per year!
