The freedom and fun of a motorcycle makes the desire of getting a new, two-wheeled purchase on the road as soon as possible the major of focus of an avid rider. However, before you hit the road and feel the thrill of the ride, you need to acquire motorcycle insurance to cover you should the nightmare of an accident befall you. Most states require you to have already purchased motorcycle insurance (or recreational vehicles insurance) before you even drive off the sales lot. Should you have a collision of some kind, your insurance will cover the costs of your motorcycle and injury, if any.
Insurance companies protect you financially with their offered policies. Trying on your own to repair the damage to your motorcycle after being in an accident can be prohibitively expensive. Once you pay your deductible, your insurance kicks in assisting you in covering the costs of repairing your motorcycle and getting it back on the road. Importantly, it is also available to cover you should you be sued as the party at fault.
The insurance cost depends on the type of motorcycle you ride. More expensive motorcycles, like Harley Davidson bikes, are often not that much more expensive to fully insure and often the monthly payments are surprisingly affordable. For street bikes, especially those built for speed, the motorcycle insurance can be quite expensive as it is determined statistically that they have a high probability of theft and of rider recklessness.
Having motorcycle insurance gives you the peace of mind in knowing you are protected if sued. It allows you the choice of replacing your bike if damaged or stolen. This insurance also allows you to enjoy your recreational vehicles without breaking the law.
It is highly recommended that one avoids buying just the minimal and basic insurance. Basic coverage just gives you the privilege of riding legally, but there will be a big gap if you do not acquire more comprehensive coverage. Without it you have no benefits such as the replacement of a totaled motorcycle or the provision of medical payments should you need them.