Motorcycle insurance tips: 5 Ways to ride defensively in Manchester, NH

The roadways can be dangerous. This is especially true for motorcyclists.

Some accidents are unavoidable. However, excessive speeds, unexpected obstacles, and distracted driving bring heightened risk. It’s important to remain aware and vigilant when riding.

At AS Insurance Agency in Manchester, NH, your safety is our top priority. Our agency can provide a personalized motorcycle insurance policy. But our experts also want to share these five defensive driving tips for any motorcycle rider.

Gear Up

Safety gear may not be "cool," but it is essential. Protect yourself with a helmet, eyewear, and gloves. Long pants, sleeves or jackets, and boots are also encouraged.

Stand Out

Motorcycles are already difficult for other drivers to see. Maximize your visibility with bright-colored clothing. When riding at night, use headlights and be ready to use your horn just in case.

Leave space

Another way to be more visible is to leave space between you and other motorists. Avoid other vehicles’ blind spots. Also, don’t tailgate too closely. As you ride, think about an escape route, if needed. As a general rule, less-congested roadways present fewer issues. Find a less-traveled route to ride.

Pass safely

Improper overtaking is one of the leading causes of accidents. Be extra careful when passing. Watch for braking or changing lanes ahead of you. Never pass on curves or blind corners.

Improve skills

Practice makes perfect. Riding regularly is still one of the best ways to gain experience and get more comfortable. If you’re new to riding, consider a safety or training course.

Contact AS Insurance Agency

If an accident does happen, you’ll want to make sure you’re covered. Serving Manchester, NH, AS Insurance Agency can create a motorcycle insurance policy that keeps you safe, protected and grants you some peace of mind on the roadways. Schedule an appointment today.

Motorcycle Insurance Coverage Options

If you have purchased a motorcycle and are enjoying the feeling of freedom it brings to you when you ride it, you will want to protect it and the best way to do that is through a motorcycle insurance policy. The agents at the AS Insurance Agency in Manchester, NH understand the importance of motorcycle insurance and the coverage options that are available.

Motorcycle Insurance Requirements

In the state of New Hampshire, at least a liability insurance policy is mandatory for all drivers, including motorcyclists. A liability insurance policy will cover any damages or injuries that you may cause in an accident but there are other options available also.

Underinsured or Uninsured Coverage

An underinsured or uninsured motorcycle insurance policy is important in case you were ever involved in a crash that is the fault of a driver that has no insurance or does not have enough coverage to pay for your medical bills and damages to your bike.

Comprehensive Motorcycle Insurance

If you owe money for your motorcycle because you borrowed it from a bank or other lender, you are more than likely required to have a comprehensive motorcycle insurance policy in place. It is important to have regardless if you owe on it or not since it will cover any damages to your bike if inactive vandalism occurs or fire or natural disaster. This type of coverage will also help pay to replace your bike if it is stolen.

Collision Motorcycle Insurance

Collision motorcycle insurance coverage will assist you in paying for any damages to your bike if you collide with another vehicle or with a stationary object. It will also help you pay for any damages to the object that you collide with.

Contact Us

The agents at the AS Insurance Agency in Manchester, NH are ready to assist you in creating the proper motorcycle insurance policy for you and your motorcycle. Call today for an appointment.

Do I need to have motorcycle insurance?

As a new auto owner in Manchester, NH, you might always be conflicted about whether you need to have motorcycle insurance. You may not be willing to have this policy because it has some financial implications on your income. However, AS Insurance Agency indicates that, despite motorcycle insurance not being a state requirement, it is necessary because it will help you in the following ways. 

Covering General Vehicle Repairs

If your motorcycle breaks down, covering repair expenses can sometimes be very costly, which means you have to dig deep to get some replacement parts and auto shop services. However, with motorcycle insurance, all the repairs can easily be covered without paying a single dollar, which is a clear indication of why this coverage is something you should endeavor to have. 

Covering Bodily Injuries

Accidents are likely to happen at any given time regardless of your driving skills or driving experience. If your motorcycle is involved in an accident that leads to bodily injuries, you will easily struggle to cater for out-of-pocket medical expenses, income replacement expenses, and the associated legal fees. However, you will be watching everything at a distance as your insurance provider handles everything with insurance. 

Covering Possible Property Damages

Another important area that your motorcycle insurance will help is covering the possible property damages that you will experience when involved in an accident. You can easily damage other vehicles while on the road or be involved in destroying other structures. Auto insurance covers all the property damages and therefore helps you avoid out-of-pocket expenses, some of which might be too high to meet.

Do You Need Motor Vehicle Insurance?

Motorcycle insurance is not a legal requirement by the state government in Manchester, NH. However, as you can tell, it’s necessary to have it. You cannot move around without an insurance cover to cater to the factors discussed above. AS Insurance Agency is ready to help you get a new insurance policy for your motorcycle.