Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle—and to be within your budget. Here’s a guide to insurance coverage for your bike—and some tips to make your insurance ride more “easy” on your wallet.

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle—and to be within your budget. Here’s a guide to insurance coverage for your bike—and some tips to make your insurance ride more “easy” on your wallet.

In order to find out what coverage is best for you, it is important to understand all the options available.

Motorcycle coverage basics

Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Ask your insurance professional which laws apply in your state and understand all the coverage options available to best fit your needs.

Factors that affect your motorcycle insurance costs

Motorcycle insurance policies vary so, as always, shop around for an insurer and insurance professional with whom you feel comfortable.

Tips for the cost-conscious rider

As with auto insurance, maintaining a good driving record with no violations will help keep your premium costs down. In addition, some insurers offer driver discounts and other ways to save money on your motorcycle policy. While offerings may vary by state and insurer, here’s a sampling: