1 Rolfe SquareCranston , RI 02910

Insurance professionals that have your back

Call Us 401-781-4010
Home » Motorcycle Insurance in Cranston, RI

Motorcycle Insurance in Cranston, RI

Owning a motorcycle is a significant responsibility. Whether you’re a seasoned rider or a beginner, it’s essential to understand the importance of insurance coverage to provide financial protection and peace of mind.

What Does Motorcycle Insurance Cover?

Motorcycle insurance typically helps cover various expenses related to accidents or damages involving your motorcycle. The exact coverage can vary depending on the policy you choose and your individual needs, but the following are some common types of coverage:

  • Liability coverage may help pay for damages and injuries you cause to other people or their property while riding your motorcycle.
  • Collision coverage may help pay for damages to your motorcycle if you are involved in a collision with another vehicle or object.
  • Comprehensive coverage may help pay for damages to your motorcycle caused by events other than collisions, such as theft, vandalism, fire or weather-related incidents.
  • Uninsured/underinsured motorist coverage (UM/UIM) may help protect you if you are involved in an accident with someone who doesn’t have insurance or who does not have enough insurance to cover the damages.
  • Personal injury protection (PIP) may help cover medical expenses and lost wages if you or your passengers are injured in an accident.

How Much Motorcycle Insurance Do I Need?

The specific requirements for motorcycle insurance vary from state to state. Motorcycle insurance is often required by state law because it helps protect both riders and other parties involved in accidents by providing financial coverage for injuries, damages and liability. Check with your local Department of Motor Vehicles or qualified insurance provider to learn about your area’s specific motorcycle insurance requirements. Failing to meet the minimum insurance requirements can result in penalties, fines and other legal consequences.

How Does Motorcycle Insurance Work?

Motorcycle insurance works similarly to auto insurance. It is a contract between the policyholder and an insurance company. By paying a premium, your insurance provider agrees to help pay for losses outlined in your policy.

Can You Get Motorcycle Insurance Without a Motorcycle?

You typically need proof of insurance before riding your new motorcycle, which means you can get insurance before purchasing a bike. However, some areas may offer a grace period of up to 72 hours to get coverage.

How to Get Motorcycle Insurance

Contact Gaulin Insurance Agency to discuss your motorcycle insurance needs and to get a quote for a policy that’s right for you.