汽车pp王者电子官网包括摩托车吗?

摩托车一般不在您的pp王者电子官网范围内 汽车pp王者电子官网 or 房主政策. 通常情况下, 摩托车有pp王者电子官网 他们有自己的政策. 根据ValuePenguin, motorcycle coverage costs almost the same as 汽车pp王者电子官网 with the average 摩托车pp王者电子官网每月60美元 和 每月58美元的汽车pp王者电子官网费.

Why are motorcycles not covered by your auto or home insurance policy?

摩托车pp王者电子官网的存在是因为, 和其他机动车辆一样, 摩托车有其自身的风险, 和 those risks include injuries to the rider 和 damages to the bike. 作为一个 安全的骑手 可以帮助最小化这些风险吗. Unfortunately, injuries are usually greater with a motorcycle in the event of a crash. 即使有 头盔 or 骑齿轮, your body is not protected on a motorcycle like it is in a car. Plus, at the speeds you are traveling, motorcycles tend to be more heavily damaged in accidents. 此外，如果你是 与乘客同行你们俩都有可能受伤，可能很严重.

一般, motorcycles are less expensive to purchase 和 repairs are not as costly as repairs for a car. 然而, 仍然有各种各样的因素与不同的模式, purchase price 和 repair expenses that will play a part in determining insurance costs.

Due to costs associated with medical treatment 和 motorcycle repairs, 摩托车pp王者电子官网值得你考虑一下. When reviewing insurance policies, t在这里 are some important questions to consider.

What questions should I ask about a 摩托车pp王者电子官网 policy?

• 如果我受伤了，我有pp王者电子官网吗? Some basic insurance policies might not cover you if you are injured. 在考虑成本和pp王者电子官网范围时, think about what you’d be expected to pay out of pocket if you’re involved in a crash.
• 是否需要投保碰撞险?? Some states may not require collision coverage for a motorcycle like they do with 汽车pp王者电子官网. 然而, if t在这里 is a lienholder, collision coverage may be needed.
• 摩托车pp王者电子官网包括其他骑手吗? 有些pp王者电子官网政策可能不包括乘客. Since motorcycles are generally considered single rider 车辆s, it’s a good idea to ask about passenger coverage when purchasing a policy.
• 我的个人装备是否受到保护? Often, protective equipment such as a 头盔 is covered under your 摩托车pp王者电子官网 policy. 但, 如果你旅行时在鞍包里装了其他物品, 比如电脑, you’ll want to verify if they’re covered by your 摩托车pp王者电子官网 policy or your 房主政策.
• 我的摩托车在“淡季”有pp王者电子官网吗?? In many states, motorcycles are ridden for only part of the year. Some insurance companies may only insure your bike for what they consider the riding season to get you a lower rate. You might need year-round coverage to ensure your bike is protected against theft 和 accidents while it is being stored.
• 它是否包括与我的汽车pp王者电子官网类似的pp王者电子官网范围? 确保你回顾了包含的内容 综合、碰撞和责任 在你的摩托车pp王者电子官网单上. These coverages are common with auto 和 摩托车pp王者电子官网 but t在这里 may be differences you should ask about, 和 some of these might be optional under your 摩托车pp王者电子官网.

在购买摩托车之前要考虑什么

考虑一辆摩托车? Before you purchase one, t在这里 are some things you might want to consider.

• 你打算去哪里学骑摩托车? Your driver’s education course in high school probably didn’t teach you about riding a motorcycle 和 your friend might not be too willing to let you learn with theirs.
• 你需要许可证吗? Many states require a specific driver’s license to operate a motorcycle.
• 你需要头盔吗? 并不是所有的州都要求佩戴 头盔，但当安全是一个目标时，最好有一个.
• 你想要什么样的摩托车? T在这里 is a wide variety out t在这里 based on how you want to ride, 从运动自行车到旅游和巡洋舰自行车, 和 摩托车的评级都不一样 pp王者电子官网公司.
• 最后，还有 摩托车pp王者电子官网.

In all, 摩托车pp王者电子官网 is not much different than your 汽车pp王者电子官网. Companies offer different levels of deductibles 和 liability coverage, additional services like roadside assistance 和 ways of saving like telematics to help you find a price that works within your budget. It’s important to underst和 factors that might determine your motorcycle premiums. 同样重要的是 和pp王者电子官网代理人谈谈 充分了解有哪些pp王者电子官网项目.