Motorcycle insurance is required in most states, similar to how car insurance is mandatory for drivers. This type of insurance is specifically tailored to meet the needs of motorcycle owners. Many policies offer higher personal injury protection due to the increased risks associated with riding motorcycles. Additionally, most companies provide optional coverage for accessories, which is not typically emphasized in car insurance policies.

What Vehicles Are Covered?

Motorcycle insurance is designed exclusively for motorcycles and certain other vehicles. It does not apply to cars or trucks, and auto insurance generally does not cover motorcycles. However, there are several types of vehicles for which motorcycle insurance may be applicable.

Motorcycles

Motorcycle insurance covers a wide range of motorcycles, including standard motorcycles, cruisers, and sport bikes. Riders with customized bikes often appreciate the additional coverage options available through motorcycle insurance.

Recreational Vehicles

Some insurance companies allow motorcycle insurance policies to cover specific recreational vehicles, such as mini-bikes and dirt bikes. Increasingly, people are contacting providers like Old Pueblo Insurance to inquire about using motorcycle insurance for ATVs. While not all companies offer this option, some do.

Mopeds and Scooters

Mopeds and scooters are similar to motorcycles, making motorcycle insurance a logical choice for these vehicles. This coverage provides the protection riders need while navigating city streets.

Understanding Legal Requirements

Legal requirements play a significant role in determining whether you need motorcycle insurance. In Oro Valley, AZ, all motorized vehicles driven on state roads must carry minimum liability insurance. The only exception is e-bikes, which are classified in the same category as traditional bicycles.

Motorcycle insurance through Old Pueblo Insurance offers the protection you need. Our knowledgeable representatives can help you find a policy that fits your needs. Contact us today to learn more. We proudly serve the Oro Valley, AZ, area.