AUTO
Motorcycle
Insurance In North Carolina
Keep your precious two-wheeler safe from accidents and damages with premium motorcycle insurance policies from The Huneycutt Group.
Motorcycle Insurance Coverage for How You Roll
Riding a motorcycle is more than just a mode of transportation—it’s a lifestyle. Whether you’re cruising down the coastal highways or navigating through the city streets, having the right motorcycle insurance in Wilmington, NC is essential to protect both you and your bike.
At The Huneycutt Group, we understand the unique needs of motorcyclists in North Carolina, and we’re here to offer you the comprehensive coverage you need. Whether you enjoy the open road on a sport bike, a big cruiser or even a custom bike we have you covered.
We work with some of the country’s largest motorcycle insurance carriers. Make sure you have the proper coverage for you and your passengers.
Contact us today to provide you with the best motorcycle coverage on the market.
Why You Need Motorcycle Insurance
Motorcycles come with a unique set of risks, and having the right insurance coverage can make all the difference. Motorcycle insurance can safeguard your bike from damages caused by natural disasters, theft, and accidents.
Additionally, most states require motorcyclists to carry minimum motorcycle liability insurance: although other types of coverage are usually optional.
Insuring your ride can help protect your weekend road trips. Here’s why you need to consider motorcycle insurance:
- Financial Protection: Accidents happen, and when they do, the costs can add up quickly. Motorcycle insurance helps cover medical bills, repairs, and even legal fees.
- Liability Coverage: If you’re at fault in an accident, liability coverage protects you from having to pay out-of-pocket for damages to others.
- Coverage for Your Bike: Whether it’s damage from an accident, theft, or vandalism, having insurance ensures that your bike is covered.
- Peace of Mind: Knowing you’re protected allows you to enjoy the open road without worrying about the “what-ifs.”
What Does Motorcycle Insurance Cover?
At The Huneycutt Group, we provide a variety of motorcycle insurance options tailored to your specific needs:
Liability Insurance
Covers bodily injury and property damage you may cause to others in an accident.
Collision Coverage
Pays for damage to your bike resulting from a collision with another vehicle or object.
Comprehensive Coverage
Protects against non-collision-related damage, such as theft, vandalism, or natural disasters.
Medical Payments Coverage
Covers medical expenses for you and your passengers in the event of an accident.
Uninsured/Underinsured Motorist Coverage
Provides protection if you’re involved in an accident with a driver who doesn’t have sufficient insurance.
That’s not all. Depending on your policy, you may also qualify for:
Accessories Coverage
Get additional protection for accessories like:
- Non-stock sidecar
- Electronic equipment
- Seats and saddlebags
- Trike conversion kits
Helmet Coverage
Let’s face it: good helmets are expensive. Fortunately, motorcycle collision coverage can also protect them in an accident.
Emergency Roadside Assistance
Stranded with a flat tire? Bike run out of gas on a highway? Don’t let mishaps put a damper on your spirit. Choose insurance for motorcycles that provides affordable coverage for emergency roadside services.
What Kinds of Motorcycles Qualify for Coverage?
At The Huneycutt Group, we offer insurance coverage for a wide variety of motorcycles to meet the needs of different riders.
Cruiser
A beloved classic, cruisers feature full-view engines, swept-back handlebars, forward foot pegs, and a stepped seat.
Dirt Bike
With knobby tires, a tight chassis, and enhanced suspension, dirt bikes are built to withstand off-road trails and motocross tracks.
Sport Bike
Alternatively known as high-performance bikes, these beasts feature responsive handling and quick speed changes.
Touring
Crafted for the outdoorsy thrill-seekers, touring bikes come with large windshields and luggage compartments making for the perfect weekend getaway ride.
Scooter or Moped
These compact, lightweight bikes are propelled by pedaling or a small gas engine. They’re often used for daily commutes.
ATV
All-Terrain Vehicles are used for off-road recreational activities. Generally, they have either three or four wheels.
UTV or SXS
UTVs (Utility Task Vehicles) are more geared toward work. They’re large, powerful, and seat more passengers. Plus, the steering wheel resembles a car.
Get Started Today
Ready to protect your ride? Contact The Huneycutt Group today for a personalized motorcycle insurance quote. No matter what type of motorcycle you ride, we can help you find the right motorcycle insurance in Wilmington, NC to protect your investment and keep you safe on the road.
Motorcycle Insurance FAQs
What is Motorcycle Insurance?
You could think of motorcycle insurance as a financial shield for your two-wheeler, ATV, or UTV that pays for damages caused while riding or other events. As with auto insurance, you can select and purchase different coverages that your insurance company agrees to pay for.
How Does Motorcycle Insurance Work?
Before you purchase a motorcycle insurance policy, you’ll have to answer some questions about yourself, your bike, and the coverage you need. The information you offer will influence your motorcycle insurance rate.
From here onwards, motorcycle insurance works just like a car insurance policy- you make your monthly/annual payments, and your insurer pays out when you file an accident or damages claim. It’s as simple as that!
How Much Does Motorcycle Insurance Cost?
Motorcycle insurance costs can vary based on several factors, including:
- Your age and experience
- How you use the vehicle
- Your riding history
- Where you ride your bike
- Bike type
- Claims
- Credit and insurance scores
- Any earned discounts
- Selected coverages
Does motorcycle insurance cover passengers?
Motorcycle owners are legally required to have minimum liability coverage in most states. If you’re at fault in an accident while riding with a passenger, the liability coverage can also help pay for their medical expenses. However, motorcycle liability insurance will not cover your passengers if you’re not responsible for the accident.
How can I save money on motorcycle insurance?
There are several ways to get discounts on your motorcycle insurance. You could compare policies, pick a multi-policy discount, complete a Motorcycle Safety Foundation course, or get an anti-theft device on your bike. Talk to our motorcycle insurance agents to learn more!
