Motorcycle Insurance vs. Car Insurance

The principles and rules people need to know to be a good car or motorcycle driver are different, and the same is related to insurance means applied to several types of vehicle licenses. Possessing just one kind of contract doesn’t mean that you are completely protected: motorbike insurance can’t provide customers with full coverage for accidents when driving an auto, and vice versa.

The statistical data doesn’t allow sighing with relief and omitting insurance affairs. According to the Centers for Disease Control and Prevention, the volume of accidents that led to lethal outcomes doesn’t decrease and reaches around thirty thousand cases annually. A little more than 13% of those are caused by motorcycle drivers. Given just this information, the need for coverage turns out to be something more than just a law restriction.

While both of insurances serve the same main objective, preserving an identical claiming process, there is a crucial gap between them that may influence your final arrival at a decision.

Reasons behind the Scene

Without a doubt, the risks to get injured, damage your machine or destroy other things on the road are defined not only by your driver experience, but also by the vehicle preferred. The price tag for a car is usually higher than the equivalent for a two-wheel transport means. In turn, the quality and quantity of potential threats have an influential meaning on the end cost to solve all the issues occurring.

Moreover, the process of achieving compensations differs dramatically. While participants of a car accident can get their assistance funds without investigating whom to blame for the occasion, bike riders face more difficulties. Standard insurance policies aren’t prescribed to give compensations for any sustained injuries for both sides of the crash.

The opposite result is possible only when the guilt of the other party is found out and proven. That doesn’t mean motorcycle drivers can’t get insurance help, but that is a more challenging task to comply with all the requirements and policies.

Another thing to consider before choosing this or that insurance type is to check whether it is a must-have option into your state. In some of the USA, riders aren’t obliged to hold coverage deals, while there are no exceptions for car drivers. Riding without a helmet may also be a legally acceptable option, but then there are special insurance requirements such a volunteer has to “obey”. One of the main tasks of any road user is to understand which type of insurance is a perfect match for their particular case, and the next action to perform is to compare the available quotes to get acquainted with the best dealer.

Quantity of Wheels

When it comes to operating two separate machines, the standards of regulations are distinct. Even though it might seem obvious, a lot still believe auto and bicycle insurances are interrelated and thus interchangeable. Customers have no right to mix the solutions — it won’t assist in achieving proper legal allowance to drive either vehicle. In simple words, you will have two separate coverage solutions to enjoy your two- and four-wheel friends.

Number of Passengers

In the legal environment, motorcycles are considered suitable for one person only — a driver, and this statement is involved into the insurance structure and options it offers for the target audience. That means concerned parties who would like to take on a motorbike ride someone else will be obliged to purchasing an additional insurance for such cases.

The alternative situation isn’t that complicated. Taking into account an average car contains minimum two seats, carrying of passengers is more natural and thus taken into consideration by insurance providers. Even though the particular vendor terms may vary, this function is included in the general policy set.

Service Cost

Taking into account a car usually may cost you a fortune, you expect to see the corresponding bill from an insurance agent or company. However in reality, insuring a motorbike is more expensive. Along with the motor vehicle deaths statistics, it is worth highlighting the following data. Someone who prefers driving a one-passenger transport is in a bigger danger than their neighbors in traffic jams — car drivers are five times less likely to get any sort of wounds and twenty-nine times less likely to pass away because of a road accident, compared to their opponents.

Personal Protection

Without a doubt, cars offer more physical protection for travelers due to their construction and engineering peculiarities. Apart from inner security means like airbags and seatbelts, there are also external side airbags which promote decreasing damage area and reducing the impact force of the collision.

Other users who give their preference to smaller vehicles are usually thrown from the seat, if something happens on the road. Therefore, the risks to get serious damages or injuries are significantly higher, and the option of personal injury protection seems more beneficial for motorcycle enthusiasts rather than for their counterparts. However, this offer is valid for both parties.

Insurance Duration

Customers are enabled to choose the most suitable insurance performance term, based on their activities and time they spend at a wheel. On average, motorcyclists don’t ride that much in the conditions of bad weather, in winters, for instance. So it would be cheaper for your budget to purchase a seasonal offer. Common auto insurance doesn’t provide this level of flexibility and stays the same, regardless of what period it is.

Additional Options

Most states require bike riders to wear special protective clothes and helmets to increase the security degree of their driving experience. Such extras are usually included into items insured by vendors. This tendency isn’t common for car insurance systems. Basically focused on protecting vehicles and passengers, they aren’t supposed to consider additional accessories you would also like to apply as an auxiliary protective measure.

Besides, companies try to keep up with modern tendencies and the way customers operate their transport. Two-wheel machine riders are welcome to select extra policies to upgrade their insurance:

• Laid Up Coverage — with understanding the risks of getting into a winter motorbike accident are almost eliminated, companies offer to protect your vehicle from other threats connected with storage challenges and reduce annual costs for the arrangement. However, if any accidents occur with your device during this period, it will be impossible to get coverage — you simply break the conditions of the deal, so that’s a natural consequence.
• Comprehensive Coverage — the task of this offer is to assist those customers who face issues like damage caused by vandalism, collision, and fire. Anti-theft protection is also included in the list of abilities enthusiasts will get with the offer under analysis.

Best Insurance Companies

To simplify your decision-making, here are the samples of the brands which have made their name for themselves as reputable services with innovation technologies and customer-oriented approaches of the qualitatively new level:

• Progressive — its policies will help you choose the most appropriate motorcycle insurance in the USA. It is a kind of a universal offer as well, since car drivers can get assistance here as well.
• Harley-Davidson — this solution is similar to the previous offer in its quality and reputation. The main difference is a more in-depth understanding of the target audience’s needs, since this company is also engaged in producing the best machines for riders too.
• State Farm — if you would like to get not just online consultations, but communicate with local agents of the brand at your earliest convenience, this offer is the right shot. This comprehensive line of services is designed to satisfy any needs of auto insurance seekers.

The Bottom Line

The market of potential offers keeps on developing, and there are more and more single- and multiple-purpose insurances — everything to satisfy customers’ objectives. If you switch the transport regularly and use it frequently, then it makes sense to pay attention to rare companies which provide their followers with a deal to cover autos and motorcycles at the same time. Of course, even if there are certain discounts to add more value to the offer, the final price will be far cry from economically beneficial. But there will be definitely less hassle about doing two separate insurances for your needs.