Owning a motorcycle allows you to enjoy endless adventures on the road. However, it would be best if you bought motorcycle insurance to meet your financial obligations. At Associated Insurance Agencies Inc., we can fulfill your insurance needs by providing motorcycle insurance coverage.

Here are four rules to follow when you buy motorcycle insurance in Westerville, OH. 

Know about your seasonal coverage options.

If you own a motorcycle, you should consider your motorcycle usage habits when you buy insurance. If you don’t use your motorcycle during certain times of the year, you should take advantage of seasonal coverage options that are available to you. 

Get covered for modifications

Make sure that your insurance provider knows that you’ve invested in motorcycle modifications. If modifications you’ve made to your bike increase your biker’s value, you need to be covered for these modifications to protect your investment. 

Read the fine print

A motorcycle insurance policy could have exclusions you need to be aware of. You need to read through all the fine print of your motorcycle insurance policy. 

If you don’t take the time to read the details of your policy, you might be disappointed when you have to file a claim in the future and don’t get the coverage that you expected. 

Have records available

When you buy motorcycle insurance from an insurance provider, that insurance provider should have access to any pertinent records regarding your motorcycle’s value or your driving history.

Ensure you supply all needed records to your insurance provider when you buy a policy. 

Get a quote on a motorcycle insurance policy in Westerville, OH. At Associated Insurance Agencies Inc., we’re here to meet your insurance coverage needs. 

It’s no surprise that wearing a motorcycle helmet is essential here in the Westerville, OH area and everywhere in between. Helmets are the single most crucial piece of safety equipment for riders and should be worn at all times. At Associated Insurance Agencies Inc., we remind all customers that it helps to protect your head from severe injury or death in the case of an accident. Many states have passed laws requiring motorcyclists to wear helmets, and research has consistently found that helmet use reduces the risk of death by 37% and severe injuries by 69%. 

Wearing a helmet may seem like an inconvenience, but it could save your life in an accident. It’s not only important for riders to wear helmets – passengers should also wear them for their own protection. Furthermore, wearing brightly colored protective gear will make you more visible on the road and reduce your chances of colliding with another vehicle. 

No matter how experienced a rider you are, wearing a helmet every time you ride should always be non-negotiable. Take the necessary steps to ensure your safety when riding by investing in a high-quality helmet and other protective gear that fits properly and meets safety standards. When it comes to motorcycle safety, don’t take shortcuts – always wear a helmet!

For more safety tips, call us at Associated Insurance Agencies Inc. today. We would also be happy to help you find a motorcycle policy that will keep you covered whenever you get on your bike. We are proud to serve the Westerville, OH area.

Associated Insurance Agencies Inc. is here for the Westerville, OH motorcycle community. Motorcycle insurance can be confusing, and you may have questions about which policy suits your needs. Let us help you with any questions that you may have about your motorcycle insurance.

Important information about liability protection

Motorcycle owners who opt for basic protection when choosing their insurance policies often have gaps in coverage. One of the most common of these is the amount of liability protection they carry. Without adequate liability protection, owners can find themselves financially responsible for damage caused by accidents or mishaps involving their motorcycles. A policy that provides adequate protection is a smart move!

With a policy that provides robust liability protection, this risk can be lessened. Liability coverage can protect you and your family from unwanted expenses. If someone is injured in an accident involving your bike, many issues can arise concerning who is liable for costs related to medical expenses and property damage. Now is a great time to review your motorcycle policy in full and sit down with a local agent to address any questions or concerns you may have.

Having the right amount of liability protection in place will let you enjoy your bike with the peace of mind that comes with knowing that you have the protection you need!

We are here to help you with all of your insurance needs

Motorcycle owners in the Westerville, OH area can turn to the Associated Insurance Agencies Inc. team for all of their insurance needs. If you have questions about your motorcycle policy, we are here to help. Call or stop by our office today!

If you’re a motorcycle enthusiast, you know that protecting your investment is essential. That’s why finding the right insurance is vital. There are a few things to consider when shopping for motorcycle insurance in Westerville, OH.

What Type of Coverage Do You Need?

There are a variety of coverage options available for motorcycle insurance. The type of coverage you need will depend on several factors, including the value of your bike and your riding habits.

For example, if you only ride occasionally, you may not need the same level of coverage as someone who rides daily. Your Associated Insurance Agencies Inc. agent can help you determine the right coverage for you.

What’s Your Budget?

Your budget is another crucial factor to consider when shopping for motorcycle insurance. There are various coverage options available, and the cost will vary depending on the level of coverage you choose. Also, your motorcycle’s value, riding habits, and the state in which you live will all affect your insurance premiums.

Do You Have a Vehicle Loan?

If you have a loan on your motorcycle, your lender will likely require you to have comprehensive and collision coverage. This type of coverage protects your bike is damaged in an accident. It can also help pay off your loan if your motorcycle is totaled.

What is Your Motorcycle’s Value?

The value of your motorcycle can determine your coverage needs. If you have an expensive bike, consider comprehensive and collision coverage. These types of coverage can help repair or replace your motorcycle if it’s damaged.

These are just a few things to consider when shopping for motorcycle insurance in Westerville, OH. For more information, contact the Associated Insurance Agencies Inc. today. We’ll be happy to answer your questions and provide you with a free quote.

Motorcycle riders all over the United States are required to have some sort of insurance. Ohio is not an exception to that rule, especially with so many motorcycle riders in the state. When everybody on the road has insurance, more people are protected.

If you live in Westerville, OH, Associated Insurance Agencies Inc. can provide more information about the coverage you need for your motorcycle.

Bodily Injury Coverage

In Ohio, all drivers are required to carry liability insurance that covers bodily injury. You must have coverage for $25,000 of damage in accidents that involve one person and $50,000 of damage for incidents involving multiple people.

Even though these are the requirements, it is often recommended that you consider increasing the value of your policy. This will mean your insurance policy may cover damage your bike causes to others, including medical bills.

Property Damage Coverage

Ohio motorcyclists must also carry $25,000 worth of coverage for property damage. Property damage liability coverage repairs damage to the property of others if you are held responsible for causing it.

Of course, you might want to increase your liability coverage beyond the minimum to ensure you are no personally responsible for property damage.

Recommendations for Motorcycle Coverage

Certain types of coverage, including collision insurance and equipment insurance, are not required by the state of Ohio. It is also a good idea to consider comprehensive insurance in case something happens to your bike when you are not riding it.

Get the Right Motorcycle Coverage Today

Do you still have questions about motorcycle insurance in Westerville, OH? Contact Associated Insurance Agencies Inc. for more information about your insurance policy and state requirements.

If you own a bike in Westerville, OH, you already know the importance of having insurance coverage. Besides protecting your investment, most states require you to carry motorcycle insurance before you get to the road. Otherwise, you may get hefty fines and risk losing your license. 

 But why would you want to be on the wrong side of the law, yet you can get your motorcycle insurance from Associated Insurance Agencies Inc? Just like the rest of your safety gears protect you on the road, insurance also comes in handy. Here are some benefits you can enjoy with a robust motorcycle insurance policy. 

Liability coverage

Motorcycle insurance covers you in case your bike causes injury to another person or damages their property. The policy pays for associated bills and costs for accidents you cause.

Compliance with law

Perhaps most people get motorcycle insurance because it’s a requirement by law. Even though you have the appropriate training and licensing to own a bike, you must have appropriate motorcycle insurance to ride on the road. Ohio requires riders to include bodily injury and property damage liability in their motorcycle insurance. 

It covers the cost of your injuries

Bikers are at high risk of bodily injuries because the bike has no walls or airbags. To that end, medical payments or personal injury protection (PIP) coverage is a must-have add-on to your motorcycle insurance if you don’t have health insurance.

Immediate help after an accident or a breakdown

Some policies will give you immediate roadside assistance in case of a breakdown or an accident. This includes towing your bike to the nearest skilled repair facility. Convenient? Right?

Owning a motorcycle comes with lots of benefits. The obvious one being cheap gas, not to mention the feeling of cruising down the lanes with a bike. Unfortunately, motorcycles are more dangerous to ride on than cars, so buying motorcycle insurance is non-negotiable.

Motorcycle insurance in Westerville, OH

If you would like to purchase motorcycle insurance, don’t look beyond Associated Insurance Agencies Inc. Contact us today for an affordable quote.

Did you just buy your first motorcycle? Or did you trade in an older model for a newer one? Either way, we know you’re excited to get on the open road. But first, it’s important to make sure you are fully covered. Read on to learn about three tips that will help you get started purchasing a new motorcycle insurance policy or renewing or replacing an existing one. 

1. Work with a Reputable Agent

The reputable agents at Associated Insurance Agencies Inc. are available to help customers find the right policy at the right price. These friendly agents help find savings, answer all your questions and concerns, and guide you through the insurance buying process. They’re available to speak by phone and will make buying a motorcycle insurance policy in Westerville OH fast, easy, and affordable.

2. Compare Several Quotes

To find the right policy, you need to compare several motorcycle insurance quotes from different carriers. A reputable agent can help you with this by going over the fine detail of each quote with you and pointing out the differences in coverage and cost. Keep in mind that policies differ on price point and coverage. 

3. Bundle Your Policies

If you’re looking to save money on motorcycle insurance, consider bundling your policies under one insurance carrier. You can bundle auto, home, life, recreation, and renter’s insurance, to name just a few. Be sure to ask your reputable insurance agent about other ways you can save money on new and existing policies.

To learn more about purchasing motorcycle insurance in Westerville, OH, contact the team serving this area. Associated Insurance Agencies Inc. can be reached at 800-935-2335.

In Westerville, OH, the only insurance that you are required to carry is liability. Many motorcyclists misunderstand what liability covers. Put simply, liability coverage begins and ends at the other party’s damages. It provides no compensation whatsoever for the policyholder’s damages. If your motorcycle is stolen, if it’s damaged in an accident, liability will not cover it.

And neither will collision. Collision insurance, as the name suggests, covers collision, and that’s it. If you are in an accident, your collision insurance will pay for the damages. If your bike is stolen, it will not.

Comprehensive is where you have full coverage. With comprehensive coverage, your losses will be covered even if your bike was parked at the time of the incident. If it’s stolen, if somebody stumbles into it and knocks it over, if it’s vandalized, you’re covered.

There may be some exclusions depending on the terms of your policy. Still, with liability, you’re protected if you are held responsible for someone else’s losses, with collision you are protected for your losses in the event of an accident, and with comprehensive you are protected against most reasonable hazards not involving a collision.

You may also want to consider gap insurance, which covers any payments you have left on your bike in the event of a total loss, and replacement, or better replacement insurance, which will get you on two wheels again right away following a loss.

If you’re looking to upgrade your coverage in Westerville, OH, or you just have some questions, you can get in touch with us at Associated Insurance Agencies, Inc. by phone, email, or in-person at the Associated Insurance Agencies Inc. offices.