When it comes to motorcycle insurance, having the right amount of coverage is vital. Having too little coverage could leave you financially vulnerable if you're in an accident, while having too much coverage could mean you're paying more than you need to. So how do you know if you have the right amount of motorcycle insurance? Here are a few things to consider:
- Your motorcycle's value. Make sure you have enough coverage to replace your motorcycle if it's totaled in an accident
- Washington State’s minimum insurance requirements. You must have the minimum insurance coverage, but it is important to have the right amount of insurance for your needs.
- Your riding habits. If you only ride occasionally, you may be able to get away with less coverage than if you're an avid rider.
- Your financial situation. If you have other assets that could be at risk in the event of an accident, you'll want to make sure those are protected with adequate insurance coverage. You may need more insurance now than you did 10 years ago.
