There are some big differences between driving a motorcycle and driving a car.
So insurance for your car or your bike is also very different, especially in America which has special insurance circumstances.
The cost of a motorcycle is lower than a car, but surprisingly the cost of motorcycle insurance is usually more than car insurance rates.
The reason is the comparative high risk of riding motorcycles. The accident risk for motorcycles per is twenty-seven times more than a car over the same distance travelled.
Insurance premiums also vary according to driving history, drivers age and model of vehicle.
Strangely, some states in the USA dont require riders to hold insurance, yet all drivers must have insurance.
Unless you have an advanced coverage, you will not get personal injury coverage in a no-fault state.
If you are driving a car and have an accident, your passengers can sue you for their injuries, so special passenger insurance is important.
It is difficult obtaining seasonal coverage for your car, but some states offer motorcycle seasonal coverage because bikes cant be ridden in their winter months.
You can still get insurance coverage for your bike for vandalism or theft while its being hibernated over winter.
A car driver can get compensation for any kind of injuries regardless of who is at fault.
However, there is no standard insurance for motorcyclists to compensate if the rider is at fault.
You may have to wait a long period for compensation, even after legal intervention.
If you have a general motorcycle insurance policy, it is difficult getting added coverage for passenger liability, comprehensive coverage or layup policies.
Usually you have to pay extra for these items.
However, most American car insurance policies package these items.
Before buying any insurance it is recommended you check the authenticity of the insurance company.