- 402-614-3307
- 402-614-3307
Motorcycles provide a great way to travel and save money on fuel costs. Owning a motorcycle does carry with it specific responsibilities, though. At Insurance Solutions of Omaha, serving Omaha, NE, and the surrounding areas, we can help you with proper insurance coverage. Keep reading to learn more about motorcycle insurance.
A regular auto insurance policy can be used to cover a motorcycle, but this is not going to be your best option in most cases. An insurance policy specifically designed for motorcycle owners provides other benefits that a regular auto policy may not provide.
A motorcycle insurance policy can be customized to meet your specific needs, but it will provide the following coverage in most cases.
An insurance policy specifically designed for motorcycles may have benefits that a regular auto policy does not provide. For instance, because many bike owners only use their bikes during certain months of the year, a motorcycle policy will only charge you for the months the bike is in use.
If you would like to learn more about motorcycle insurance or any of our other insurance products, don't hesitate to contact us at Insurance Solutions of Omaha, serving Omaha, NE, and the surrounding areas. We will be happy to help you with all of your Nebraska insurance needs.
Yes, Nebraska requires every motorcycle operator to carry liability coverage before riding on public roads, along with matching uninsured and underinsured motorist coverage. Riders must also carry proof of insurance and present it when registering their bike or if stopped by law enforcement.
A standard policy includes liability coverage for injuries or damage you cause to others, along with optional coverages like collision for your own bike, comprehensive for theft or weather damage, uninsured motorist protection, and medical payments for you and your passenger. You can build out your motorcycle insurance policy around how and how often you ride.
Not automatically. Standard policies are built around your bike as it left the factory, so aftermarket parts, chrome, and riding gear like your helmet and jacket often only have limited coverage bundled into your comprehensive coverage. If you've invested in customizations or quality gear, ask your agent about adding accessories or custom parts and equipment coverage to close that gap.
Your premium depends on things like your riding history, age, the type and value of your bike, your location, and the coverage limits you choose. Riders in the Omaha metro may see slightly higher rates due to traffic and theft risk, so comparing quotes and bundling with your auto policy is a great way to find the right rate for your situation.
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