Four common myths about motorcycle insurance

Consumers in Asheville, NC, need to be accurately informed about motorcycle insurance. At Asheville Insurance Center, we make sure that our customers have all the information they need to choose the right motorcycle insurance solution.

Here are four common myths that motorcycle owners need to be aware of when it comes to motorcycle insurance. 

You can decide whether you want to carry motorcycle insurance.

Motorcycle insurance is not optional. Any rider out on public roads must meet North Carolina state auto insurance requirements to drive legally. 

All motorcycle insurance policies are the same.

Motorcycle insurance policies can vary widely regarding how much coverage they offer and what policy features they include. You must fully understand your options when buying a policy to get the best coverage for your unique needs. 

It’s not important to insure a motorcycle that is in storage.

Many motorcycle owners store their bikes during certain parts of the year. If you store your bike for extended periods, you shouldn’t assume you don’t need insurance coverage while your bike’s in storage.

Most motorcycle insurance providers offer policies that can include storage coverage. This type of coverage is adjusted to cover damages to your bike only while it’s in storage so that you’re only paying for the coverage you need at the moment. 

You can rely on motorcycle insurance to pay for maintenance.

Motorcycle insurance only covers you for damage caused by incidents like vehicle collisions. You cannot rely on your motorcycle insurance to pay for your vehicle’s routine mechanical maintenance. 

Visit us online at Asheville Insurance Center to learn more about the insurance products we offer to consumers in Asheville, NC. Get in touch now for a quote on a motorcycle insurance policy. 

Three Ways To Stay Safe on Your Motorcycle

Owning a motorcycle can be exciting and a great way to save money on gas. However, it is essential that you know how to stay safe on your bike. Here at Asheville Insurance Center, serving Asheville, NC, and the surrounding areas, we want to help you stay safe on the road. Keep reading to learn more. 

Avoid Biking in the Rain 

One way to stay safer on your bike is to avoid riding in the rain. Rainy conditions increase the risk factors of motorcycle driving. With only two wheels, and nothing surrounding you for protection, it can be easy to lose control of the bike and experience an accident. It is better to have a backup form of transportation for bad weather conditions. 

Take a Motorcycle Safety Course

Participating in a motorcycle safety course is an excellent way to learn all about motorcycle safety and best practices. Most people think if they know how to drive a bike, they must know all there is about motorcycles. This is not true. A motorcycle safety course will be taught by a seasoned bike enthusiast who is well-versed in keeping people safe while biking. 

Observe Speed Limits

Speeding is always dangerous, but when you are driving a bike, this becomes even more of a risk. Accidents are proportionately worse when drivers are traveling at high speeds. Your reaction time is much reduced as well. When you speed on your bike, you put yourself and others at unnecessary risk. 

If you want to learn more about motorcycle insurance, please get in touch with us at Asheville Insurance Center, serving Asheville, NC, and the surrounding areas. We will happily answer your questions and find you the right insurance policy today. 

Three of the most important rules to follow when you purchase motorcycle insurance

There are a few important rules you should always follow when you purchase insurance as a motorcycle owner in Asheville, NC. Asheville Insurance Center offers motorcycle coverage policies to bikers that could meet your insurance needs.

Three of the most important rules to follow when purchasing motorcycle insurance are the following. 

Figure out which types of coverage you want before you shop for a policy

Liability insurance is a type of motorcycle insurance coverage that you have to purchase.

Numerous optional types of motorcycle insurance coverage to consider include collision, comprehensive, uninsured/underinsured, and lease/loan gap coverage. You should know what these optional types of coverage are and decide whether you want them before looking for a policy. 

Don’t buy the first policy you’re offered.

Doing research is essential so that you find a policy that is suitable for your needs. There are a lot of options out there. Before buying a policy, you must thoroughly explore those options by researching price quotes and policy details from numerous providers. 

Check and see if you’re eligible for any discounts before purchasing a policy.

Motorcycle owners might be able to qualify for different policy discounts. Providers may offer discounts to motorcycle riders with perfect driving records. Discounts may also be available to motorcycle riders who have completed a defensive driving course or invested in certain safety features for their bike. 

Do you have questions about what you should do when you’re looking to cover your motorcycle with the right insurance policy? Ask us at Asheville Insurance Center. You can contact us for a quote on motorcycle coverage in Asheville, NC.

Do I Need Motorcycle Insurance With a Loan in Asheville, NC?

You’re considering a loan to pick up a new Harley or Honda in Asheville, NC, but you’re unsure if you need to get insurance. Here’s a quick rundown of what you need to know.

Who Needs Insurance for a Motorcycle?

In North Carolina, all motor vehicles require liability insurance. This protects you financially if you are found responsible for an accident with injuries or property damage because of your negligence. Your loan company will require you to have full coverage insurance on your new motorcycle to protect the investment.

How Much Insurance Do I Need?

Most loan companies will require you to have full coverage insurance with collision and comprehensive coverage. This will protect your motorcycle from theft, vandalism, fire, or weather damage and accidents. The amount of coverage you need will depend on the value of your bike. You can get an estimate from your Asheville Insurance Center representative.

Is There a Gap in My Insurance Coverage?

There will be a gap in your insurance coverage when financing your motorcycle until you pay the loan off. If your motorcycle is totaled in an accident or stolen, you will still pay the entire loan amount to the lender, even if your insurance only pays out a portion of it.

You can protect yourself from this by adding gap insurance to your motorcycle insurance policy. This will cover the gap between what you owe on your loan and what your insurance pays out in the event of a total loss.

What is Full Coverage Insurance?

Full coverage insurance goes beyond the minimum protections required by law. It includes collision and comprehensive coverage to help pay for repairs or replacement of your motorcycle if it’s damaged in an accident, stolen, or vandalized.

Speak with your local Asheville Insurance Center agent to learn more about what coverages are right for you.

Protect your motorcycle from damage and theft with a comprehensive policy

When people think about motorcycle insurance, they may generally consider it as protection in the event of injury due to an accident or other mishap. At Asheville Insurance Center, we understand that comprehensive motorcycle policies can provide additional coverage for bike owners in the greater Asheville, NC area. 

Why comprehensive motorcycle insurance policies are a great idea

In addition to protecting yourself and any passengers in the event of injury, a comprehensive motorcycle insurance policy provides other benefits. Most notably, a robust policy can give you protection in case your motorcycle is damaged or stolen. This protection allows you to enjoy your bike with the added peace of mind that it is protected.

Comprehensive coverage is available from a variety of policy types and at different protection levels. The available options allow you to determine which policy is appropriate for your needs. If you are looking to give your basic motorcycle policy a boost, it might be time to look into more comprehensive policies.

Sitting down with a local agent is the first step in exploring your options. Now is a perfect time to upgrade from a policy that simply meets state regulations and find something that gives you comprehensive coverage.

Contact Asheville Insurance Center today and find out more!

There are a number of different benefits to comprehensive policies, with protection from theft or damage just being two of the reasons to select such a policy. If you want to learn more about the comprehensive motorcycle policy options that are available to residents in the greater Asheville, NC area, call or stop by today!

4 Benefits of Motorcycle Insurance

When riding motorcycles, we try to be as careful as possible to avoid accidents that would see us suffering financial losses or sustaining injuries. But unfortunately, accidents are real — worst of all, they occur when we least expect and leave us suffering huge costs like medical bills, repair costs, liability costs, etc. 

Luckily motorists can purchase a motorcycle insurance policy that would step in to cover losses following an accident. 

If you own a bike and haven’t yet subscribed to a motorcycle insurance policy, you’d better reach out to Asheville Insurance Center in Asheville, NC, and reap the following benefits. 

Liability protection 

With a motorcycle insurance policy, you will not incur financial losses if you accidentally hurt or hit others. Your insurer will step in and manage all the costs.

Protection of your bike

Whether you encounter a minor or severe accident, there is a possibility that your bike can be damaged. Repairing it can mean huge costs, which you are not ready for or can’t even afford to bear at the moment. You’d need a helping hand in such scenarios — and that’s where motorcycle insurance kicks in.

Compliance with law

In almost all the states, it’s a crime to ride your motorcycle without a motorcycle insurance policy. The same is true for North Carolina — all motorcycle riders are expected to carry motorcycle insurance with minimum liability coverage. Failure to have valid motorcycle insurance exposes you to fines and penalties. 

Covers medical expenses

Motorcycle accidents can cause injuries to you or to those you hit on the road. When such a mischance happens, you want to seek medical attention as quickly as possible. But bear in mind that you won’t get to treatments for free.

Your medical bills can be high. However, with motorcycle insurance coverage, you have nothing to stress about.

The Bottom Line

The above are some key benefits you will enjoy if you purchase motorcycle insurance from Asheville Insurance center serving Asheville, NC and its environs. Don’t wait until late — get insured today and enjoy safe riding.

Why You Need the Right Motorcycle Insurance Policy

There’s a lot of freedom in riding a motorcycle, but there’s also responsibility and a need to be careful. Part of that comes with being safe on the road, and some of it’s based on having proper motorcycle insurance to protect you and your investment in your bike. At Asheville Insurance Center, we want to help all of the motorcycle riders in the Asheville, NC area have good quality insurance policies they can rely on for their safety, security, and peace of mind. There’s no reason to settle for a low level of coverage when you want more protection, and we can help you make sure you have the type and level of coverage that’s right for you.

Just like with a car, insurance for a motorcycle has different coverage options and choices. Some people want more coverage, and others want less, depending on several factors. Whether you use your bike for your daily commute or you only ride it on the weekends, there’s a policy that’s going to be right for your needs and lifestyle. The best way to find that policy is to work with a knowledgeable agent who can offer plenty of great information about the choices you have for coverage.

Reach out to us today at Asheville Insurance Center, and let us answer your motorcycle insurance questions. If you’re in the Asheville, NC area, we’re here to help you. Our agents are committed to quality and value, and we want to be sure you’re getting all that you need to be comfortable and feel secure on the road. Whether you’re a new rider or you’ve enjoyed the experience of riding a motorcycle for years, it’s vital to make sure your policy is the right one for your bike and the amount of riding you do. We’ll help you find what works.

What are the motorcycle insurance requirements in North Carolina?

Motorcycle enthusiasts in the greater Asheville, NC area are fortunate to have such a beautiful area to call home and enjoy on the back of their bikes. If you are interested in getting a bike of your own, you may be wondering about the state’s insurance requirements. The team at Asheville Insurance Center is here to help guide you through the motorcycle insurance selection process as you determine which policy type and coverage level are right for your needs.

The state requires that motorcycle owners have three different types of coverage in their policies: bodily injury per person, bodily injury per incident, and coverage for property damage. We recommend comprehensive policies that also protect you from liability and uninsured drivers. 

Bodily Injury Per Person

This policy will provide coverage for each of the people involved in an accident, whether they are in another vehicle or are your passenger.

Bodily Injury Per Incident

Coverage also includes coverage per incident, which can help cover medical costs in the event of a covered incident. 

Property Damage

If you are involved in an accident that damages or destroys another person’s property or your motorcycle, this coverage will go into effect.

The state’s required coverage levels are quite modest, and if they are exhausted due to damages arising from a covered event, you can become financially liable for the uncovered amounts. It is advisable to opt for a comprehensive motorcycle policy that contains higher coverage levels and more in-depth coverage.

If you are interested in the motorcycle insurance policy options available here in the greater Asheville, NC area, call or stop by the Asheville Insurance Center today to meet with one of our agents. We are here to help you find the appropriate policy to meet your needs.