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2604 W Kenosha St, #143
Broken Arrow, OK 74012

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Oklahoma Insurance Blog

What Everyone Should Know About Motorcycle Insurance

Insurance policies and coverage options are likely the last thing you want to think about when it comes to enjoying your bike. In fact, it can be so overwhelming and seem so unnecessary that you may feel that you don’t need it. That being said, nearly every state requires a minimum amount of coverage though the specific requirements may vary greatly. Fortunately, Greater Tulsa Insurance Inc. can help motorcycle owners in Tulsa, OK navigate the legal requirements as well as the financial impacts of choosing the right insurance policy.

Below are a few things you should keep in mind:

It Covers More Than Just Your Motorcycle

Insurance can help you cover more than just the repairs to your bike after an accident. Certain policies can assist with medical bills – for you and your passenger – as well as the cost of repairs to someone else’s property. Some plans even offer roadside assistance and rental coverage in the event your motorcycle breaks down on a trip.

You Should Have It Even If You Don’t Ride Often

No matter if you ride a couple of times a year or use your bike as your main mode of transportation, accidents happen. Whether they are caused by you or someone else, the last thing you want is to be left responsible for the full cost of repairs and medical expenses. Motorcycle insurance can assist with these expenses, protecting your personal finances along the way.

Protect Your Motorcycle With Help From Greater Tulsa Insurance Inc.

If you need help finding the right coverage at a price you can afford, contact the team here at Greater Tulsa Insurance Inc. today. We’ll help you find the best policy options in Tulsa, OK so that you can focus on the ride. Contact us today to get started!

What Is the Difference Between Liability and Comprehensive Motorcycle Insurance?

Tulsa, OK has a thriving motorcycling community thanks to the easy access it offers to numerous outstanding riding routes. If you enjoy want to keep enjoying your motorcycle and protect your investment in it, it’s critical that you insure it sufficiently. As you have been shopping for the right insurance for your motorbike, you have likely come across suggestions that you should get either liability or comprehensive insurance. Some “self-appointed” gurus might have even suggested that they are similar. 

Well, we at Greater Tulsa Insurance Inc. are insurance pundits with years of experience in the field. We can tell you that liability and comprehensive motorcycle insurance are very different.

Let’s explore their differences: 

Firstly, the liability motorcycle policy covers damage your bike can do to other vehicles in case of a crash. It doesn’t cover any damage to your motorbike during the accident. 

On the other hand, comprehensive insurance offers greater coverage than liability insurance. It covers damage to your motorbike and other vehicles during an accident. It also protects your bike from damage by natural elements such as storms and wildfires. Keep in mind that liability insurance offers no coverage for natural elements. 

You should know that most comprehensive motorcycle coverages have a deductible. Therefore, you must cater for a designated amount of damage out of pocket. The amount of deductible you opt to pay will impact your comprehensive policy premiums. If you have higher insurance deductibles, you will have lower premiums and vice visa. In contrast, most motorcycle liability insurance policies don’t feature deductibles. 

Reach Out To Us

Need unrivaled motorcycle insurance offering in Tulsa, OK? Welcome to Greater Tulsa Insurance Inc. – our reputable insurance gurus are ready to help you pick the best insurance protection for your bike. Contact us today for more ins and outs of motorcycle insurance.

How Can I Make My Motorcycle Insurance More Affordable?

Motorcycle insurance can be expensive, especially if you live in a high-risk area. However, there are ways to make it more affordable. 

Here are some tips that can help you save money on your motorcycle insurance policy:

Shop Around

The first step to finding affordable motorcycle insurance is to shop around. There are many different insurers, so you’ll want to compare rates before committing to a policy. You can use an online comparison tool from our website to get quotes from multiple insurers in just minutes.

When you’re comparing rates, be sure to look at more than just the price. You’ll also want to consider the coverage options, deductibles, and discounts that each insurer offers. By doing your research, you can find an affordable policy that still meets your needs.

Maintain a Clean Driving Record

One of the best ways to keep your motorcycle insurance rates low is to maintain a clean driving record. Insurers typically offer lower rates to drivers who have no accidents or traffic violations on their records. Even with violations, talk to a professional agency such as Greater Tulsa Insurance Inc. in Tulsa, OK to see what can be done.

Consider Dropping Collision and Comprehensive Coverage

If you’re looking for ways to save money on your motorcycle insurance, you may want to consider dropping collision and comprehensive coverage. These types of coverage are optional, and they can add a significant amount to your premium. You may not need these types of coverage if you have an older motorcycle.

Take a Motorcycle Safety Class

Taking a motorcycle safety class can also help you save money on your insurance. Many insurers offer discounts to drivers who have completed a motorcycle safety course. These courses teach you how to safely operate a motorcycle and avoid accidents.

Contact Us Today

The best way to make your motorcycle insurance more affordable is to shop around and compare rates. At Greater Tulsa Insurance Inc. in Tulsa, OK, we can help you find the best motorcycle insurance policy for your needs and budget. Give us a call today to get started.

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