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It may seem convenient to have all your vehicles on a single policy, but it’s usually not that simple for motorcycle owners in Astoria, OR. Instead, you’ll generally need a separate policy for your bike, and there are a few good reasons why.
Motorcycles are classified differently from automobiles
Most people assume motorcycles and cars can be grouped together since you drive both, but insurers don’t see it that way. Motorcycles carry a different risk profile, and companies often recommend higher limits for bodily injury coverage to ensure riders have adequate protection.
Motorcycles and other vehicles are also categorized differently from an underwriting standpoint. A typical auto policy is built around a standard four-wheel vehicle, not a two-wheeled motorcycle.
Different Policies Available
Most people use their motorcycle differently from their car, and insurance companies take that into account. That’s part of why policies and coverage limits differ for bikes. Motorcycles typically cause less property damage in an accident, tend to be used more for recreation than daily commuting, and are often parked entirely during the off-season. Motorcycle policies through Linda Dugan Insurance take all of this into consideration, helping ensure you’re paying for the coverage you actually need.
Bundling Policies
While you likely can’t add your motorcycle directly to your auto policy, you can still bundle separate policies through the same company to simplify things. That gives you one insurance provider and one monthly payment, combining convenience with the right coverage for each vehicle.
At Linda Dugan Insurance, our agents will work with you to ensure you have the coverage you need, without pressuring you to spend more than necessary. Contact us today. We’re currently serving the Astoria, OR, area.
