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Wilkes-Barre, PA 18702

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Insurance Blog

Can You Buy a Motorcycle Policy Without a Car Policy?

When it comes to driving a vehicle of any kind, it is always best to make sure you are adequately covered as far as insurance goes. Motorcycles pose a special risk when it comes to getting into accidents and therefore need very specific coverages to make sure that riders are covered and protected in the case of an accident. For those that live in Pennsylvania, the agents with The Shay Agency in Wilkes-Barre, PA can help you find the right motorcycle coverage for you.

So, can you buy a motorcycle policy without having a car policy?

The simple answer is "yes." You can purchase a motorcycle policy without having to have an auto policy. The only difference is that your motorcycle policy may end up costing more on its own than it would when bundled with a car policy. This is not a be all end all, however, as even on its own, a motorcycle policy is going to cost far less than a car policy.

There are a few important things to remember when it comes to motorcycle policies, for starters, those that are driving motorcycles are far more likely to be in an accident than those that are driving cars for a few different reasons. For starters, motorcycles are smaller and harder to see when on the road, they do not provide much protection if you are in an accident, and many drivers do not pay close attention to motorcycles that are on the road with them. It is always essential that you get the right coverage for your specific needs as far as liability, the cost of your bike, and the overall cost of potential medical bills.

For those that live in Pennsylvania, New York, or New Jersey, the agents with the Shay Agency in Wilkes-Barre, PA can help you find the perfect motorcycle policy.