Motorcycle Coverage Upgrade: Before the Last Summer Ride

As summer winds down, Connecticut riders are gearing up for one last adventure on the open road. Before you set out, now is the perfect time to review and upgrade your motorcycle insurance coverage, ensuring you're protected for every mile ahead. With so many options from leading auto insurance companies Connecticut drivers trust, making the right choice can mean the difference between peace of mind and unexpected setbacks.

Late summer rides often mean longer trips, group outings, and unpredictable weather. These factors can increase your risk exposure, making comprehensive coverage more important than ever. Upgrading your policy before your final summer ride ensures:

• Enhanced protection for you and your bike

• Coverage for custom parts and accessories

• Financial security in case of accidents or breakdowns

Connecticut law requires all motorcyclists to carry at least $25,000 in bodily injury liability per person and $50,000 per accident. However, basic coverage may not be enough for avid riders. Consider these essential add-ons and endorsements:

• Medical Payments Coverage: Helps cover medical expenses for you and your passengers, regardless of fault.
• Custom Parts and Equipment: Protects aftermarket upgrades and accessories that standard policies may not cover.
• Roadside Assistance and Towing: Ensures help is available if you're stranded due to a breakdown or flat tire.
• Trip Interruption Coverage: Reimburses expenses if your ride is unexpectedly cut short due to mechanical failure or accident.
• Total Loss Replacement: Especially valuable for newer bikes, this covers the full replacement cost for up to five years.

When comparing policies from auto insurance companies in Connecticut, keep these factors in mind:

• Age and Riding Experience: Younger or less experienced riders typically face higher premiums.
• Motorcycle Make and Model: High-performance or custom bikes may cost more to insure.
• Location and Riding Frequency: Urban riders or those who ride daily may see higher rates due to increased risk.
• Safety Courses: Completing approved safety courses can qualify you for discounts with many insurers.

• Review your current policy: Make sure it meets both state requirements and your personal needs.
• Consider seasonal adjustments: If you ride less in the winter, ask about flexible or seasonal policies.
• Bundle policies: Many auto insurance companies in Connecticut offer discounts when you bundle motorcycle and auto insurance together.
• Ask about discounts: Look for multi-policy, safe rider, and homeowner discounts to lower your premium.

Before your last summer ride, take a moment to contact D.M. Johnson Insurance Agency. Our team will help you compare options from top auto insurance companies in Connecticut, ensuring you have the right coverage for your lifestyle and budget. Don't let an unexpected event cut your season short—upgrade your motorcycle insurance today for a safer, more enjoyable ride.

D.M. Johnson Insurance Agency—Protecting Connecticut riders for every journey.