Owning a motorcycle is more than just a means of transportation—it’s a lifestyle. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we understand that every rider has their own style and preference when it comes to motorcycles. But did you know the type of bike you ride can affect your insurance? Let’s explore how cruisers, sportbikes, and choppers impact your coverage.
Cruisers: The Classic and Reliable Choice
Cruisers, like Harley-Davidsons, are known for their laid-back design and solid build. These bikes are typically favored by riders who enjoy long, relaxed journeys. From an insurance perspective, cruisers are generally considered lower-risk. They aren’t designed for high speeds, and their riders tend to be more experienced, leading to fewer accidents. This often translates to lower premiums.
Sportbikes: The Need for Speed and Risk
Sportbikes, such as those made by Yamaha or Kawasaki, are built for speed and agility. While these bikes are thrilling to ride, they are often associated with higher risks. Their lightweight frames and powerful engines make them more prone to accidents, which can drive insurance premiums higher. If you own a sportbike, insurers will likely consider the increased risk when calculating your rates.
Choppers: Customized and Unique
Choppers are custom-built bikes that stand out from the crowd. Their unique designs can be a point of pride for their owners, but from an insurance perspective, they present challenges. Replacement parts for choppers can be expensive and hard to find, which can push premiums up.
Securing the Right Insurance Coverage in Fillmore
At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we specialize in helping motorcyclists find the right coverage for their unique rides. Contact us today to protect your bike and your passion for the open road!
