Purchasing your first motorcycle is going to be a thrilling experience. You’ve waited a long time for this to happen, and it’s nearly here. Yet, it’s important to remember that this isn’t a video game. You’ll be out there on the streets, zooming around without the protection of a car. From safety to insurance, there’s quite a few things you need to know before you purchase your first motorcycle.
Before making your first purchase and taking it out on the roads for the maiden voyage, you should complete a Motorcycle Safety Foundation (MSF) course. Much like a driver’s training course, this is to ensure your safety and as well as others’ on the road. You will be one of, if not the most exposed driver out there. It’s important to play it safe. Even if a crash if someone else’s fault, you’re much more likely to be injured or even killed. That is why defensive driving is quite literally a lifesaver.
Budgeting must go beyond purchasing your new bike. You also need to think about insurance as part of the overall motorcycle cost. Just like driving a car, you cannot drive your new motorcycle until you have reached out to an insurance company, and gotten low cost motorcycle insurance in California. The truth of the matter is that you’re more likely to be injured or have serious damage to your bike in an accident because you’re probably crashing with a vehicle much larger than yours. Low cost motorcycle insurance in California is really important for your long-term health and finances!
In many states, motorcycle insurance is required by law. California is one of them. Even if it were not required, it would still be a good idea. A motorcycle insurance agency in California is there to protect you if you’re responsible for causing personal injuries or property damage. It can also cover your medical bills, theft, damage, and more.
Liability coverage is the biggest and most common legally required coverage. It is there to step in and help you from instances where someone is injured or property is damaged.
Bodily injury liability
Property damage liability
The following optional coverages include protection for you and your property directly:
Uninsured and underinsured motorist coverage
Medical payments coverage or personal injury protection (PIP)
Make sure you read up on all plans to make sure you’re covered and protected in case something were to happen on the road. When committing to buy a motorcycle, don’t forget to estimate all the added expenses associated with riding. There are the motorcycle payments themselves, plus the insurance policy. You’ll want to budget the cost of safety gear. A quality helmet, jacket, gloves, and pants are essential and don’t come cheap. Don’t forget to consider the cost of routine maintenance which can vary wildly, depending on make and type of motorcycle.
You’ve got your insurance lined up, you know how to ride a motorcycle, and you’re all set on safety and other practical issues. You can really start to think about purchasing your new bike. How exciting! Choose a bike you love!
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