Tucson is a great place to head out on the open road and enjoy a ride on your motorcycle. With great weather throughout most of the year, we’re pretty lucky when you think about it. But before you leave your driveway, be sure you and your bike are appropriately covered with motorcycle insurance.
With a comprehensive motorcycle insurance policy, you can ride with peace of mind, knowing that if your bike is damaged or stolen, you can repair or replace it. Mooney Insurance has professional agents that will help you find motorcycle insurance that fits your needs as well as your pocketbook. In addition to offering advice on your best coverage choices, our many relationships with top-rated insurance companies allow us to find just the right motorcycle insurance policy for your unique situation.
Arizona Motorcycle Insurance Requirements
Arizona state law requires that you have a minimum amount of motorcycle insurance. You must purchase at least a $15,000/ $30,000 policy for bodily injury protection and $10,000 for property damage liability, but in reality, that isn’t very much. In other words, state minimum coverage includes liability only, it provides no coverage whatsoever for your bike! For that reason alone, you should be talking to Mooney Insurance to make sure you end up with the coverage you need, not just the insurance that is required by the state of Arizona.
Motorcycle Insurance Coverage
Whether you ride a Harley Davidson, sports bike, vintage cruiser, or other motorcycles, having the correct coverage and limits is a must. In addition to liability coverage, you will likely want to have physical damage coverage as well. Physical damage coverage is what pays for repairs or replacement of your bike if you have an accident, or it is stolen. You can even opt to have roadside assistance as well, which could come in handy from time-to-time.
Coverage for Your Custom Motorcycle
If you ride a Harley-Davidson, you more than likely have made some, if not a lot of customizations to make it your own. You might have started with a piece of chrome or two, then maybe a custom paint job. New handlebars came next, followed by some leather. It may come as a surprise to you, but did you know that any changes or modifications you make to your motorcycle won’t be covered by your standard motorcycle insurance policy? Even small post-manufacturer changes are not guaranteed to be covered without explicitly adding coverage to your policy. This is another reason why you need to talk to Mooney Insurance to make sure you end up with the coverage you need, and not a cut-rate policy you can buy online.
Bundle Motorcycle Insurance with Other Policies for Savings
If you own a bike, there’s a good chance you own a car, truck, or home as well. Ask your agent to provide a quote all of your personal property to take advantage of the discounts available when insuring more than just your bike with Mooney Insurance. Contact us today to receive a personalized, no-obligation, insurance quote and consultation – You’ll be glad you did.
