Motorcycle Insurance Options in Westerville, OH

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.

What Motorcycle Insurance Does Ohio Require?

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.

We’re Hiring!

Commercial Lines Customer Service Representative

Are you on the lookout for an incredible opportunity to advance your Commercial Lines Customer Service career? Set your sights on Associated Insurance Agencies in Westerville! We are seeking a Full Time Licensed Commercial Lines Customer Service Representative to join our already outstanding team. You’ll be matching your commercial lines insurance industry knowledge with your exceptional customer service skills to ensure clients have the right coverage to meet their individual needs. As our Commercial Lines Customer Service Representative, your ability to build rapport with people from all backgrounds will be essential in retaining the trust and business of our clients for years to come. We know that great customer service starts with ensuring our employee’s needs are met, which is why we are advocates for our team and work with them to achieve their professional goals.

If you’re ready to join an energetic and driven team to grow your Commercial Lines Customer Service career, apply today! 


Salary Range: Based on Experience
Benefits

  • Professional Development
  • Paid Time Off
  • Paid Holidays
  • Weekends Off
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance


Responsibilities

  • Use your savvy skills to assist with policy changes and payments. 
  • Each interaction is an opportunity for you to educate and advise clients. 
  • Utilize your exemplary attention to detail to issue insurance documentation and update client information.
  • Answer client questions, problem solve and follow up with your quality rapport-building talents. 


Requirements

  • Property & Casualty License Required.
  • 3+ years of Insurance customer service experience required Commercial Lines experience a plus. 
  • Strong computer and technical skills, including Microsoft Office Suite and Agency Management software proficiency. 
  • Detail-oriented with the ability to prioritize.
  • A positive team player who is self-motivated. 

4 Benefits of Purchasing Ohio Motorcycle Insurance

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.

3 Tips for Buying Motorcycle Insurance in Westerville, OH

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.

Will Motorcycle Liability Insurance Cover Theft?

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.

How to Design a Condo Insurance Policy

If you live in Manchester, NH and own a condo, you’re required to have a minimum level of coverage. However, the minimum may not be enough to cover the costs of every event. If you want to design a policy that will really protect you, Associated American Insurance may be able to help. Learn more about what it takes to review and finalize a policy that will give you the peace of mind you need. 

Personal Possessions 

There is a common problem for all property homeowners: they believe their insurance covers their belongings regardless of their policy. But this is not always the case (and often owners don’t find out about this until it’s too late). Your policy may only cover physical damage to the unit, as opposed to items that are lost, stolen, or destroyed. Your policy will also have limits imposed for each policy owner, and may only cover a small portion of everything lost. For more coverage, you’ll need a more comprehensive condo insurance policy. 

Liability 

Liability coverage will protect you in case of mistakes or neglect. For example, if a friend falls over a toy that was left in the living room, you may be responsible for their medical injuries. Similar to the property limits, your insurance policy will also impose liability limits. If you can’t cover everything via your insurance, you’ll be expected to pay for the costs out-of-pocket. 

Ask Us 

From pet damage to identity theft insurance, there are a number of ways to customize your insurance policy based on your preferences. If you want to learn more about how to insulate yourself from unexpected catastrophes, call Associated American Insurance today. We’re here to help the Manchester, NH keep their condos and their belongings in one piece.