Insurance costs are typically lower on motorcycles than on cars because these are not generally driven year-round vehicles. An additional difference of motorcycle insurance from the car one is that you can drive a motorcycle on a permit without a licensed operator.
The key factors involved in getting motorcycle premiums are: years licensed (or permitted) participation in a motorcycle driver training course, the value of your motorcycle, the motorcycle’s engine size (or CC’s), the experience of the driver, the actual city that motorcycle will be kept in, and the insurance coverage you’ll choose.
A very important issue with motorcycle insurance coverage is the exclusion of Personal Injury Protection benefits (or PIP benefits). This kind of coverage does not pay for the injuries inflicted (or caused) while riding a motorcycle but it does pay for anyone hit by that motorcycle. Also, Personal Injury Protection pays for injuries inflicted by the motorcycle owner if struck as a pedestrian by a vehicle that does not have MA Compulsory Insurance.
Usually many Health carriers exclude the insurance coverage for about the first $2,000 of injuries caused by the auto or motorcycle accident. You’ll have to pay closer attention about these details while choosing your motorcycle insurance health coverage, so you could make a better choice on what you want covered.
There may not be too many differences between the Motorcycle and Auto Insurance Coverage, but the ones provided above are more than enough to make a significant impact on the costs you might have from the accident. So, please make sure that you make the right choice and contact your trusted agent before making your final decision and purchase.