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If you’re a new motorcycle owner in Las Vegas, NV, you might assume that adding your motorcycle to your auto insurance policy is sufficient. However, motorcycles require a distinct insurance policy, somewhat similar yet different from other vehicle policies. At All Nevada Insurance Inc., we can guide you in creating the ideal motorcycle insurance policy.
Motorcycle Insurance is More Affordable
Contrary to popular belief, motorcycle insurance tends to be less costly. The reason behind the coverage differences between motorcycles and other vehicles is their passenger capacity. Motorcycles usually accommodate a single passenger, reducing the potential for multiple injuries or deaths compared to cars. Their smaller size and fewer moving parts also contribute to lower repair and replacement costs.
Another factor leading to lower insurance costs is that insurance companies generally consider motorcyclists to possess increased road awareness and fewer distractions. However, be reminded that costs can vary.
Accessory Coverage and Guest Passenger Liability
Unlike car insurance policies, many insurers offer an option to cover unique motorcycle accessories. Such special accessories include custom paint, wheels, seats, saddlebags, windshields, chrome pieces, handlebars, and electronics. Essentially, anything used to customize your bike can qualify for special insurance coverage. Damages to these special items will be subject to deductibles like other elements of your policy.
Maximize the protection for yourself and your bike by contacting the specialists at All Nevada Insurance Inc., proudly serving residents of Las Vegas, NV. Our dedicated staff is ready to assist you in crafting your policy.
