If you are looking for the cheapest insurance for your motorcycle, be aware that there are limits to how much you can save. In Pennsylvania, you must at least have the following liability insurance protection in order to legally drive a motorcycle:
- $15,000 of coverage for an injury or death to one person in a single accident.
- $30,000 of coverage for injuries or deaths to more than one person in a single accident.
- $5,000 of property damage insurance.
While these coverages represent an opportunity to save a few dollars a month, it is important to remember that these are the cheapest insurance coverages for a reason. Generally speaking, there are very few “minor” motorcycle accidents. With nothing but air between the driver and the road, most crashes involving motorcyclists results in serious muscular-skeletal injuries that require extensive medical treatment. If you or a loved one is injured in a motorcycle accident, you will be sure to regret that you opted for the cheapest insurance available. Instead, be sure to plan ahead and envision every possible scenario. What could save you a few dollars now could end up costing you far more later.
For advice on avoiding the pitfalls of cheap insurance, request a copy of my book, “The Good, the Bad, and the Law: The Guide to Motorcycle Accidents in Pennsylvania.” It is an invaluable resource for every stage of motorcycle ownership—from obtaining insurance to knowing what to do if you are in an accident.