As a two-wheeler rider in Jefferson City, MO, there are different ways you can put your bike into use. You can use it to run errands or modify it for performance. Whatever the use you put your bike, you need a proper motorcycle insurance policy to protect yourself and the bike. While you are likely to invest in common motorcycle insurance coverages like comprehensive, collision, and liability coverage, you need to consider add-ons that suit your riding style. Luebbering Insurance Agency LLC advises on common “riders” or “add-ons” worth your pennies.

Umbrella insurance

Do you consider yourself at high risk of being sued? If yes, you need to think about umbrella insurance, especially if you are a high-net-worth individual. Yes, you may have motorcycle liability insurance, but when faced with significant liability claims, it’s likely to run out.  

Consider umbrella insurance since it takes over from where your motorcycle insurance leaves off.

Roadside assistance

Sometimes, your bike may break down while you are away from home. Without insurance, you may have to make frantic calls to get you to safety. However, if you have a road assistance endorsement, it offers services like towing, puncture repair, gas delivery, and other services listed in your policy.

Zero depreciation coverage

If your motorcycle is totaled, your insurance company knocks off the depreciation factor when compensating you. Given that you have deductibles to pay, there could be a lot of out-of-pocket expenses to pay. Zero depreciation coverage cushions you against depreciation.

Personal belongings coverage

If personal assets are lost or damaged on your bike, you may turn to this coverage for compensation. Without this, you will have to replace your expensive helmet and riding gear from your pocket.

Need to learn more about motorcycle insurance? Please get in touch with Luebbering Insurance Agency LLC. You can also pass by our Jefferson City, MO offices to chat with one of our agents.