Motorcycle Insurance QuotesMotorcycle Insurance Qutoes

A patch of gravel or a sudden deluge can ruin a perfectly good Saturday ride. Protect others, protect yourself, and of course, protect your bike, with comprehensive coverage from Mallory-Tate Insurance Services. 

Alabama Motorcycle Insurance

In Alabama, a certain amount of coverage is not a choice.

Motorcycles, street-legal mopeds, and scooters all fall under Alabama’s Mandatory Liability Insurance Law. As with automobiles, motorcycle owners are required to hold a certain amount of liability coverage. 

Not sure if you are holding the right amount of coverage? Mallory-Tate can help. A Mallory-Tate agent can review your policy to ensure compliance with state law, as well as create a comprehensive policy based on your needs.

Types of Motorcycle Liability Insurance

To be compliant with Alabama state law, your liability insurance policy should include both bodily injury liability and property damage liability coverage. If you cause an accident, this liability coverage will help pay the medical costs and/or property repairs of the injured party. 

Additionally, if the injured party files a lawsuit against you, your liability coverage will pay your legal costs up to the limits of your policy. Otherwise, you will be held personally responsible for the payment of any costs incurred beyond your coverage terms. Keep this in mind as you set the caps for your liability policies.

Other Types of Coverage to Consider

In addition to the required liability coverage, there are several noncompulsory policy options for additional protection. A Mallory-Tate agent can help you put together a comprehensive policy with the best price available. Optional coverage includes: 

  • Collision: helps pay for accident-related damage to your bike

  • Comprehensive: helps pay for damage to your bike resulting from a covered loss other than collision, such as vandalism, theft, or fire.

  • Uninsured/Underinsured Motorists: helps pay for medical bills and/or damage to your motorcycle if you are involved in an accident with a driver who has inadequate insurance or no insurance at all.

Factors That Can Affect Your Premium

Bear in mind that several elements can affect the amount of your insurance premium, including:

  • The type, style, and age of your motorcycle

  • Your age

  • The number of miles you typically drive in a year

  • How and where you store your motorcycle

Some insurers offer discounts based on certification and other considerations. Ask your Mallory-Tate agent if you qualify for a discount.