Custom Motorcycle Insurance: Insuring A One-Of-A-Kind

Finding Coverage For a Custom-Built Motorcycle

By Meha Ahmad, InsuranceAgents.com Staff Writer

Finding custom motorcycle insurance doesn’t have to be as hard as it may seem. If you are looking to compare quotes now, use our quick online form.

The main problem with custom-built motorcycles is that it is hard to determine their official worth—since it’s not like you can just look up the Kelley Blue Book price for it. And that makes it harder for insurance agents to give you a motorcycle insurance quote. Some insurers may not offer custom motorcycle insurance solely because there is no documented blue book value. However, providers like AAA, can provide custom motorcycle insurance you need.

Your one-of-a-kind bike faces quite a few risks: someone can rip it off, steal it, it can get damaged or— worse—someone can get hurt. That’s why custom motorcycle insurance is so essential, especially if your car has its own pieces that make it unique and, thus, appealing to thieves.

Here are a few tips you should keep in mind when trying to obtain custom motorcycle insurance:

1. Get an appraisal. The first step to getting custom motorcycle insurance is to get your bike appraised. That way you and your insurance agent can find satisfactory custom motorcycle insurance based on the money and parts you’ve invested into your bike.
2. Compare quotes. Once you know the value of your bike, get custom motorcycle insurance quotes and compare policies and rates.
3. Don’t forget liability! Every bike—whether it’s custom-built or not—needs liability insurance. Motorcycles have high accident rates, so it’s important to have plenty of full liability coverage on your custom motorcycle insurance policy.
4. High value = high premiums. Keep in mind, when customizing your bike, the more you add to it to increase its value, the more it custom motorcycle insurance will cost! Unless you have the budget set aside for custom motorcycle insurance, it may not be worth customizing your bike for two or three times its value.

Just as important as obtaining sufficient custom motorcycle insurance is finding a qualified agent. Talk to a reliable and licensed motorcycle insurance agent. They can help you find the most appropriate custom motorcycle insurance policy to financially protect you. To find a great local agent in your area, use our online quote comparison service.

Published: Monday 9th November 2009