Motorcycle Insurance in Conway, AR: Why You Need It and How to Get It

Motorcycle Insurance in Conway, AR: Why You Need It and How to Get It

May 10, 2023

If you're a motorcycle rider in Conway, AR, you already know how thrilling and exhilarating it can be to hit the open road on two wheels. However, riding a motorcycle also comes with certain risks, and accidents can happen even to the most experienced riders. That's why having motorcycle insurance is essential to protect yourself, your bike, and your finances in case of an accident or theft.

In this blog post, we'll explain why motorcycle insurance is important, what it covers, and how to get it in Conway, AR.

Why Do You Need Motorcycle Insurance?

Just like with car insurance, motorcycle insurance is required by law in most states, including Arkansas. According to the Arkansas Department of Insurance, all motorcycle owners must have liability insurance, which covers damages and injuries you cause to others in an accident. The minimum liability coverage limits in Arkansas are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

However, these minimum limits may not be enough to cover all the costs associated with an accident, especially if there are multiple parties involved or serious injuries are sustained. That's why it's recommended to consider higher liability limits and additional coverage options.

What Does Motorcycle Insurance Cover?

Motorcycle insurance can provide several types of coverage, depending on your policy and the options you choose. Here are some of the most common coverage types:

  • Liability: Covers damages and injuries you cause to others in an accident, as required by law.
  • Collision: Covers repairs or replacement of your motorcycle if it's damaged in a collision with another vehicle or object.
  • Comprehensive: Covers damage to your motorcycle from non-collision events, such as theft, vandalism, fire, or natural disasters.
  • Uninsured/Underinsured Motorist: Covers damages and injuries you sustain in an accident caused by a driver who has no insurance or insufficient coverage.

You may also be able to add other optional coverages, such as medical payments, roadside assistance, or custom parts and equipment coverage, depending on your needs and budget.

How to Get Motorcycle Insurance in Conway, AR

Getting motorcycle insurance in Conway, AR is easy and straightforward. Here are the basic steps you need to follow:

  1. Choose the policy and coverage options that best fit your needs and budget. Make sure you understand the terms and conditions of your policy, including deductibles, exclusions, and limitations.
  2. Provide the required information and documentation to the insurance company, such as your personal details, motorcycle information, and driving record.
  3. Pay the premium for your policy, either in full or in installments, depending on the payment options available.
  4. Receive your proof of insurance and keep it handy in your motorcycle, as you may need to show it in case of an accident or traffic stop.

At Noble Insurance Agency, we specialize in providing customized motorcycle insurance solutions to riders in Conway, AR, and the surrounding areas. Our experienced agents can help you find the right coverage for your needs and budget, and answer any questions you may have about motorcycle insurance.

Don't wait until it's too late to protect yourself and your motorcycle. Contact us today to get a free quote and start riding with peace of mind!