FREE Car Insurance Comparison

Currently insured?

Free Car Insurance Comparison

Compare Quotes from Top Companies and Save

Currently insured?

Vehicles that Need Special Insurance Coverage

Here's what you need to know...
  • The most obvious types of motor vehicles that need a special type of car insurance are collector cars and show cars, motorcycles and recreational vehicles
  • Collectible cars are not driven as much as a normal car if they are driven at all, so they do not need the same types of coverage as a normal car
  • Motorcycle insurance policy can include scooters, motocross bikes, mopeds, dirt bikes, trikes, and classic motorcycles

The most obvious types of motor vehicles that need a special type of car insurance are collector cars and show cars. Motorcycles and recreational vehicles also require a separate kind of insurance than a standard car.

Most people focus on the cost of insurance when they are thinking of buying a new car, but it can be easy to forget that any type of vehicle that runs with a motor needs adequate insurance coverage.

There are insurance coverage options for everything from mopeds to jet-skis to golf carts. Insurance providers that offer motorcycle insurance can be researched further at the website for the National Association of Insurance Commissioners.

By entering your zip in the box on this page you will be able to compare car insurance quotes in an easy side-by-side format!

Explaining Motorcycle Insurance

width=

Insurance coverage for motorcycles works much in the same way as car insurance. This type of insurance involves much of the same coverage options as car insurance.

These coverage options include comprehensive coverage, bodily injury liability coverage, collision coverage, property damage liability coverage, and medical payments coverage. A form of coverage that is unique to motorcycles is accessory coverage.

Collision coverage offers coverage whenever the motorcycle is involved in an accident with another vehicle or some other type of structure.

If the motorcycle is damaged by anything other than a collision it will be protected by comprehensive coverage.

Comprehensive covers the motorcycle if it is damaged by vandalism, weather, theft, or an animal.

Bodily injury liability insurance is a form of insurance that becomes necessary when the policyholder is the cause of an accident. This type of liability insurance covers the medical costs that are incurred when someone is physically injured in the accident.

Property damage liability insurance covers the costs of damage to the vehicles and other property damaged in the accident.

A type of coverage that is unique to motorcycle insurance is accessory coverage. Motorcycle owners often put a lot of additional work into their motorcycles after they buy them.

Some of the things covered by this type of coverage include sidecars, helmets, and the cost of custom work like painting and plating. If you’re planning to research insurance companies that offer motorcycle insurance, you can see their financial ratings at A.M. Best’s website.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

Currently insured?

Types of Vehicles Covered by Motorcycle Insurance

Insurance providers like Progressive offer an extensive motorcycle insurance plan that covers many types of vehicles.

The types of vehicles covered by a Progressive motorcycle insurance policy include scooters, motocross bikes, mopeds, dirt bikes, trikes, and classic motorcycles.

A scooter has two wheels like a normal motorcycle, but the wheels are much smaller. A scooter also has a low-powered engine that can be gas or electric.

A motocross bike is a bike that is specialized to be used off-road and is not considered to be street legal. These bikes have a higher ground clearance since they are used on terrain with many obstacles. A dirt bike is considered the same as a motocross bike.

A moped is a motorized bike that has the option of also being pedaled. These are very popular vehicles in Europe since they are small and fit much better on the more narrow European streets.

A trike is a motorcycle that has had the rear wheel converted into two wheels. These types of motorcycles are popular among older riders that find a traditional motorcycle more difficult to control.

Is car insurance for collectible cars cheaper than normal car insurance?

AdobeStock_1297880-1600x1600A person will typically pay much less for collectible car insurance than they would for the insurance coverage needed for a normal car.

Collectible cars are not driven as much as a normal car, if they are driven at all, so they do not need the same types of coverage as a normal car.

Collectible cars are most often a personal hobby for people. The most that people tend to do with collectible cars is show them in competitions.

These types of cars are also kept more secure than normal cars, which also lessens the cost of the insurance coverage.

Most collectible cars are stored in garages or secured storage units so they are less likely to be stolen.

People that restore and show collectible cars also tend to be older and more established in their lives since car restoration can be a very expensive hobby.

Since collectible car owners tend to be older, they will naturally have lower car insurance rates since car insurance providers consider older people to be more responsible.

Compare car insurance rates easily by typing in your zip code to the free tool at the bottom of the page!

Copyright © 2018 · All Rights Reserved · Car Insurance Comparison · Terms & Conditions · About Us · Privacy Policy · Contact Us · Site Map · Resources

Currently insured?