Investing in a motorcycle can be exciting, and purchasing a vintage model can be even more exhilarating. Classic motorcycles offer unique features and value that modern bikes may not have. As such, it is important to secure the correct amount and type of motorcycle insurance to protect your investment.

At TruePoint Insurance, we offer clients in the Savannah, GA, area access to quality motorcycle insurance to suit their needs.

Choosing the Right Classic Motorcycle Insurance

Several considerations come to the fore when purchasing motorcycle insurance for your vintage bike. First, understand its value comprehensively; older bikes in good condition are often valued higher than others. Note that the bike’s value is based on the appraised amount, not necessarily what you paid for it.

Next, decide if you should opt for replacement or actual value coverage. Replacement value coverage pays for replacing your bike with a similar one, while actual value coverage merely provides the bike’s current worth. Please choose based on your bike’s type and value progression over time.

Also, consider the cost of replacement parts. A motorcycle accident could force you into extensive repairs, and finding classic parts to restore the bike properly can be both challenging and expensive, thereby increasing the cost.

Assistance in Securing Quality Insurance

When investing in motorcycle insurance in Savannah, GA, remember that you can rely on the team at TruePoint Insurance. You can procure the best insurance type that offers comprehensive coverage for your motorcycle, reducing your risks every time you hit the road for your next adventure.

Motorcycle ownership can be a great vehicle option for many people. To get the most out of your motorcycle, though, it is important to be aware of the increased dangers that bikes present. At TruePoint Insurance, serving Savannah, GA and the surrounding areas, we make it our job to help clients stay safe on the roads. Keep reading to learn more about why motorcycles can be dangerous.

Less Protection 

A motorcycle provides a great sense of freedom on the road, which is partly due to the fact that there is nothing surrounding the driver. Although this can be thrilling, it also increases the driver’s risk factors. With nothing protecting you from impact, you should be aware that driving safety is even more important than in a regular vehicle. 

Smaller Size 

Smaller vehicles are always at greater risk for damage, and drivers are at greater risk for injuries. This is because a larger vehicle can damage you and your bike more. Because you are a smaller vehicle, it will be important for you to take responsibility for extra safety precautions. 

Higher Speeds

Due to the bike’s smaller size and design, motorcycles can reach higher speeds than some other types of vehicles. The temptation to speed can be strong when driving a motorcycle. It is your responsibility, as a biker, to always keep a safe speed. This helps to protect you as well as other drivers on the road. 

To learn more about motorcycle insurance, please get in touch with us at TruePoint Insurance, serving Savannah, GA, and the surrounding areas. 

With the wind in your hair and access to some of the best adventures in Georgia and nationwide, it is easy to see why owning a motorcycle is becoming increasingly popular. Just as you are required to have insurance for your personal automobile in Georgia, the same logic applies to a motorcycle with the state mandating separate insurance. At a minimum, motorcyclists must carry the following coverage:

• $25,000 in liability insurance per person for injuries or death
• $50,000 in insurance per accident for injuries or death
• $25,000 in property damage liability per accident

Keep in mind that these figures are just the minimum coverage required to be in compliance with Georgia law and that many motorcyclists purchase additional coverage to better protect their assets, loved ones, and themselves. Failure to carry insurance while operating a motorcycle in Georgia carries hefty penalties including fines and revocation/suspension of registration. When shopping for insurance, bear in mind that liability insurance does not protect the rider and instead offers compensation and support for any victims of an accident caused by the motorcyclist. Given that motorcycle injuries are generally severe, additional coverage that should be considered includes collision insurance to pay for repairs or replacement of the motorcycle, comprehensive insurance to cover damages caused by theft, vandalism, hail, and more, and uninsured motorist coverage. 

In addition to insurance requirements, Georgia motorcyclists must also have a valid Class M License or Class M Instructional Permit which can be obtained through the completion of an accredited Motorcycle Safety Program Course or passing a vision test, written exam, and riding test administered by the Georgia Department of Driver Services. 

At TruePoint Insurance in Savannah, GA our friendly and dedicated team of insurance professionals is ready and willing to answer all your questions so give us a call today to learn more.