If you’re considering motorcycle insurance in the Foley, AL, area, you might have some questions before investing in a policy. Here are the most common questions you should ask when obtaining your insurance policy.
1. Is Motorcycle Insurance Required?
In Alabama, your registered motorcycle must have minimum coverage. This means you must carry at least liability coverage in case you cause an accident. The lender will likely require you to carry full coverage until the loan is fully repaid for motorcycles that are still being paid off.
2. What Type of Coverage is Available?
When looking to get motorcycle insurance, it’s beneficial to know what types of coverage are available. Most policies include liability, comprehensive, and collision insurance components. While it’s best practice to get full coverage, as long as you have the minimum required, you can choose the rest of the policy.
3. Are There Additional Options?
You can add other types of coverage to your policy, such as roadside assistance and personal injury coverage. You can also adjust the amount of coverage you want on your bike, insuring it for more than the standard amount and thus having a more comprehensive policy.
4. Minimum and Maximum Limits
Before finalizing an insurance contract, make sure you understand your policy’s minimum and maximum coverage options. You need to know if you want to adjust them higher or lower. You should also understand how adding drivers to the policy or making other adjustments affects these limits.
If you’re seeking a personal motorcycle insurance quote today, contact us at Southern Risk Associates. We proudly serve those in and around the Foley, AL area.
