Motorcycle Insurance In North Carolina: It's Possible
When you begin to look at the requirements for getting motorcycle insurance in North Carolina, you might think it will become a part time job. There are a lot of details to keep in mind and a lot of forms to fill out. But it can be done with the help of the North Carolina Department of Motor Vehicles and your motorcycle dealer (if you are buying from a dealership).
Quotes Before You Buy?
You can get quotes for motorcycle insurance in North Carolina before you actually buy the motorcycle. This can help you determine if you can afford the motorcycle. Some information the insurance company will need to know is what year, brand and make the motorcycle is; if it will be kept in a garage; how many miles will you put on it in an average month and who is going to allowed to drive your motorcycle.
It's a lot easier to do comparison shopping for motorcycle insurance in North Carolina than even fifteen years ago. Back in the old days, if you wanted to compare motorcycle insurance quotes in North Carolina, you had to call or show up at all of the offices of the companies, fill out a lot of paperwork and then wait for quotes and wait longer to get proof of insurance in the mail.
Now, with the help of the Internet, you can get a variety of quotes at once, on your own time and even get instant proof of insurance that you can print out, in some cases. Keep in mind that not all rates are alike - even for somebody with the exact same driving record as you. And if you already have motorcycle insurance in North Carolina, you can double check that you are getting the best value for your money.
Other Things You Need
The important thing you need for your motorcycle insurance in North Carolina is liability coverage as required by state law. You need at least $30,000 per person or $60,000 per accident to cover bodily injuries. You also need $25,000 of property damage liability insurance. Any other coverage you get is good, but not required by North Carolina law.
Before you can get motorcycle insurance in North Carolina, you need to have a driver's license that states that you are licensed to drive motorcycles. A regular car license will not be the same thing. You have to go to the North Carolia Department of Motor Vehicles and pass a written test and off-road test in order to get your motorcycle endorsement added to your regular driver's license.
