Motorcycle riders enjoy the freedom of their bikes and Smithtown Motorcycle Insurance Agency, M.W. Morse offers that same flexibility and independence. Aspects of the coverage is as customizable as the way you plan to ride.
Motorcycle Insurance on Long Island proves the adage, you get what you pay for. Some people go for the lowest price, with only a limited coverage, usually just enough to meet a particular state’s minimum requirement.
The cheaper the premium, the smaller the coverage. Minimum liability covers only the damage you might cause to someone else or their property. It does not pay for your medical expenses or damage to your bike.
If you own your bike outright, then you can determine the insurance coverage you need. But if the bike is financed, there may be minimal requirements the lender has written into the loan statement.
Comprehensive and collision are other types of coverage you can get on a bike. These cover the bike itself and when both are added to the policy, will cover many disastrous situations. Theft, fire or vandalism protection comes with the comprehensive. Long Island Motorcycle Insurance Company, M.W. Morse Agency can help you fine the right plan to keep you protect!
Protection comes at a price but there are many ways to reduce the cost of a motorcycle policy offered by Commack Motorcycle Insurance Agency, M.W. Morse. The wisest involve participation in a motorcycle safety course. There are instant discounts of 10% to 15% off the premiums. There are discounts on covering multiple bikes and you can even bundle motorcycle coverage with your homeowners or auto insurance.
Contact a qualified agent at Long Island Suffolk County Motorcycle Insurance Company, M.W. Morse Agency to design the best policy for your particular situation. Your driving record, location and even where you store the bike during the winter can all influence your premiums. Whether you ride in Smithtown, Commack or any other area in Suffolk County, Long Island, MW Morse Agency is your Motorcycle Insurance company!