When you’re buying a motorcycle, it’s important to know the different insurance options. Insurance types span a range, and when you work with the independent insurance agency Idaho Select Insurance servicing Meridian, ID, we can help you choose whichever insurance types make sense for your bike. Ultimately, the most important thing is to get the type of insurance that fits your needs. ,

Two types of motorcycle insurance, collision and comprehensive insurance, can sound similar. These two types of insurance offer very different coverage. Knowing the differences between these two types of insurance can help you decide which type of insurance is right for you. 

What Is Collision Motorcycle Insurance?

Collision motorcycle insurance provides coverage for your bike when you’re involved in a collision, regardless of who is at fault. Collision insurance may pay for repairs up to the coverage limits (minus the cost of the deductible). Collision motorcycle insurance is a great option for riders who are worried about collisions, maybe because they’re riding in heavily populated areas. 

What Is Comprehensive Motorcycle Insurance?

Comprehensive motorcycle insurance provides coverage for non-collision events like theft, vandalism, fire, and more. Comprehensive motorcycle insurance is a good option if your biggest concerns about your bike are non-collision events (maybe because you primarily ride on open, rural roads). 

Are There Other Options?

In addition to collision and comprehensive insurance, you’ll also be required to get liability coverage, which provides coverage for damage to the other vehicle if you cause an accident. If you want the full range of options, tell your insurance agent that you would like "full coverage", which combines all three insurances together in one bundle. 

How Can You Get Motorcycle Insurance?

The best way to get motorcycle insurance when you live in Meridian, ID is to contact an independent insurance agency like Idaho Select Insurance. Call today to speak with one of our insurance professionals.