You take pride in your bike. Whether you are a weekend road warrior, a motorsport enthusiast or ride your motorcycle every chance you get, there is nothing quite like the freedom of cruising the wide open road. This is especially true here in Arizona, where roads wind through stunning landscapes, treating riders to captivating views of canyon walls and fascinating sights. If you own one of the more than 180,000 registered motorcycles in The Copper State, you need insurance as unique as your bike is.
Types of Arizona Motorcycle Insurance
Liability and Collision Insurance
Like other states, Arizona requires motorcyclists to carry a minimum of coverage. Unfortunately, the $10,000 in property damage and $15,000 per person in bodily injury coverage is not enough to ensure you are fully protected in an accident. If you ran a red light and crashed into a brand new sports car, you could be on the hook for thousands in property and injury liability costs. With low-level coverage limits, you might find yourself paying medical and repair bills out of pocket.
We are committed to helping everyday customers avoid complicated situations with liability and collision coverage that meets the needs of motorcycle riders. We can offer policies that help pay for the injuries and losses of other people involved in an accident, as well as the repair or replacement costs for your own bike if it is damaged or totaled in a collision. You can even opt for coverage that will take care of towing or roadside assistance if you find yourself stranded.
Comprehensive Coverage
In addition to liability and collision coverage, there are other types of insurance important for riders. Comprehensive coverage, for instance, is important for motorcycle owners, as it helps cover losses that are not related to an accident. It can pay for damages and losses caused by fire, theft, and vandalism, as well as losses that occur while your bike is in storage.
Take the example of motorcycle theft, which is quite common even here in Arizona. Imagine you are cruising down I-10 on your custom motorcycle one afternoon when you decide to stop for lunch in a small town off the highway. You return only to find your bike has been stolen with no trace of it in sight. With the right comprehensive insurance coverage, you could replace your stolen bike and be back to riding in no time.
If you feel like splurging on bike gear and accessories, don’t hold back due to a lack of coverage. Motorcycle insurance policies can include provisions that cover a wide range of specialty and after-market items, such as your helmet and other safety gear, as well as sidecar attachments, modifications, anti-theft devices, saddlebags and more. So go ahead and spring for that custom paint job. There’s insurance for that, too.
At Harnish Insurance Group Agency, we work hard to find our customers coverage that meets the distinct needs of a rider. As an independent agency, we can provide motorcycle insurance coverage from several of the leading insurance companies throughout Arizona. We can help you find coverage for nearly any motorcycle, including cruisers, classic bikes, sport motorcycles, trikes, custom bikes, and more. We work hard to find competitive rates on quality coverage, as well as procure discounts that could make purchasing motorcycle insurance even more affordable.
