Things You Need To Know About AARP Motorcycle Insurance
Through another company, Foremost, AARP Motorcycle Insurance offers comprehensive motorcycle insurance. Their insurance is not really the cheapest, but it does offer a variety of coverage options.
If you’re looking for comprehensive bicycle insurance, AARP may be the best option for you. Examine AARP’s motorcycle insurance to see what kind of coverage is available for your dirt bike, cruiser, scooter, or custom bike.
Is AARP AARP Motorcycle Insurance available for motorcycles?
Yes, AARP provides motorcycle insurance, but only through the insurance company Foremost.
AARP offers motorcycle insurance policies through Foremost for as little as $88 per year, even if actual premiums will vary. Foremost motorcycle insurance policies typically include collision, liability, and other than collision coverage.
As shown below, AARP offers policies for a variety of motorcycles:
- Touring bicycles
- Sport bicycles
- Conversions of trikes
- Custom and vintage motorcycles
- Motocross bikes
Foremost makes it simple to obtain a motorcycle insurance quote. Simply dial 1-800-752-2461 and provide the make, model, and year of your bike. In order to purchase a policy, you must also know your motorcycle’s VIN (Vehicle Identification Number).
Cost of AARP Motorcycle Insurance
It’s difficult to estimate the cost of a motorcycle insurance policy through AARP because the company does not really specialize in bike insurance as well as data isn’t widely available. The average cost of motorcycle insurance through an agency is approximately $1,065 per year or $88 per month.
The cost of motorcycle insurance from AARP is determined by factors such as your age, motorcycle type, riding experience, driving record, credit score, as well as claims history.
Options for coverage
The extensive coverage options are one advantage of an AARP motorcycle insurance policy from Foremost. On top of standard liability insurance as well as full-coverage options such as collision coverage and comprehensive coverage, they provide inexpensive add-ons that are just not commonly available in the industry.
- Liability insurance (property damage and bodily injury): Insures you against third-party claims for bodily harm as well as property damage caused by a motorcycle accident.
- Passenger liability insurance: Insurance coverage for non-insured passengers in the event of an accident that renders you legally liable to the passenger.
- Comprehensive insurance (also known as “Other Than Collision Coverage”): Other types of motorcycle damage are covered, such as fire, flood, theft, vandalism, or contact with a bird and animal.
- Collision insurance: If you are in an accident, this insurance will cover the cost of repairing or replacing your bike.
- Medical expenses: In the event of an accident, you and your passengers are protected from medical expenses (regardless of fault).
- Coverage for replacement price loss settlement: If you are eligible for this insurance and your motorcycle is destroyed due to a covered loss, AARP will charge for a brand new motorcycle of the same kind to replace it.
- Coverage for optional equipment: Most permanently installed accessories to your bike (i.e. parts, decorations, chroming, custom painting, sidecars) that were not initially standard equipment provided by the manufacturer are protected by this.
- Coverage for protective clothing: If your protective equipment, such as a helmet or leather gloves, is damaged in an accident, this will cover the cost of repairs or replacements.
- Roadside assistance and towing: You can get 24-hour emergency roadside assistance if you have a flat tire, run out of gas, or need a battery jump. If your bike breaks down in a covered accident more than 100 miles from home, Trip Interruption will reimburse you up to $50 per day for food, $100 per day for lodging, and $50 per day for transportation for up to four days OR $500.
- Transport trailer protection: Damage to a trailer used solely for transferring your motorcycle (up to $7,500) is covered.
In addition to the limits mentioned above, you can purchase additional coverage to increase your medical payments, liability, and optional equipment coverage limits.
How to Get a Discount on AARP Motorcycle Insurance
All insurance companies, such as AARP, provide discounts to their customers. It’s unclear whether these discounts pertain to both automobile and motorcycle drivers, so here are a few to consider:
- Discount for multiple policies: You can still save money on all of your policies if you have AARP homeowners insurance, AARP auto insurance, or RV coverage.
- Discount for good drivers: If you do not have an accident or receive a ticket for a particular number of years, AARP will reduce your premium.
- Pay in full: Instead of making monthly mortgage payments, you can save cash by paying your annual payment in one lump sum.
- Course in defensive driving: Complete a recognized safety course for your dirt bike, motorcycle, or cruiser and get a rate reduction.
- Group discount: If you are an employee, member, or retiree of a specific industry, professional association, military branch, or occupational group, you may be eligible for a discount.
The bottom line
Although AARP is not the only insurance company that provides low-cost motorcycle coverage, it does provide some of the most full insurance.
Conclusion: So above is the Things You Need To Know About AARP Motorcycle Insurance article. Hopefully with this article you can help you in life, always follow and read our good articles on the website: BIRA.INFO