Motorcycle Insurance
For Ohio Riders
We know the ins and outs of insurance.
Top Ohio Motorcycle Insurance Agency
Are you shopping for motorcycle Insurance in Ohio? Whether you are a die-hard ride lover or new and just having fun, insurance coverage is necessary. Being responsible while on the road is a good practice, but it isn’t enough. If you are a motorcycle owner, finding the right insurance is your greatest responsibility.
While you may buy a bike in Ohio without insurance, it’s a requirement that you provide proof of insurance before hitting the road. Therefore, you should consider getting your motorcycle insurance from a reputable insurance company such as Ellerhorst if you want to enjoy your ride without having to cross paths with Ohio’s authorities.
What Is Motorcycle Insurance?
If you’re planning to own a bike for the first time, you may not be aware of what is expected of you before using your new baby. As much as you are planning to have a good time using it, you should also keep in mind that bad times may come along with the best moments.
But how are you prepared to tackle the bad times you may face while using your bike? That’s where a motorcycle insurance policy comes in handy!
Therefore, motorcycle insurance is insurance coverage that protects you and your motorcycle against damages in the event of an accident or theft.
Many riders call us whenever they are involved in a motorcycle accident, only to realize their motorcycle is not covered by their auto insurance. Although you might think having insurance is not necessary, it might dawn on you that you need it badly in the case of a severe accident.
How Much Does Motorcycle Insurance Cost in Ohio?
Minimum Ohio Requirements
$25,000 for death or bodily injury to one person
$50,000 for death or bodily injury to two or more persons
$25,000 for damage or destruction of property
If you compare the minimum coverage in Ohio with other states, you’ll find it average. However, if an accident is more fatal, the amount will exceed the minimum set.
In this case, if you are found to be at fault in the accident, you’ll need to meet all the additional expenses. Also, if the motorist who might be at fault is uninsured, you’ll still have to meet the extra costs, which might be a threat to your savings.
Below are some of the factors that influence the cost of motorcycle insurance for your ride.
Factors That Influence Cost
- Make, model, and age of your motorbike
- Coverage limits
- Driving records
- Annual mileage and much more
Safety Requirements
For motorcycle riders, Ohio has some of the strongest rules and regulations to ensure the safety of the rider at all times. Whether you’re trying to beat traffic congestion in the city or riding on rural roads, you should always ensure your bike is street-legal.
Below are some of the safety items required by the law that you and your bike have before hitting the road.
- Helmet. Wearing a helmet is compulsory if you’re a novice, that’s when in your first year of riding or if you’re under 18 years of age. It’s also compulsory for any passenger on the bike.
- Eye protection. If your motorbike is not equipped with a windscreen, you are required to have your eyeglasses, goggles, or face shield on in your helmet.
- Passenger seat and footrest. If you’re carrying a passenger, your bike should be equipped with a passenger seat and a footrest
- The handlebar height should not be taller than your shoulders height
- Your bike should be equipped with a headlight
- You must carry proof of insurance
- You must carry along a valid Temporary Instruction Permit Identification Card (TIPIC) or a motorcycle endorsement on the driver’s license; R.C. 4510.12
Types of Motorcycle Coverage
List of top motorcycle insurance coverages
Collision
Bodily Injury Liability and Property Damage Liability
Medical Payments
Comprehensive
Uninsured/Underinsured Motorist (UM/UIM)
Road Trouble Services
Additional Expense
Top Ohio Motorcycle Insurance Agency
If you’re looking for the best insurance company in Ohio, Ellerhorst Russell Insurance Agency has your back! Our company will work with you closely to understand your needs and make sure you’re properly protected. We some of the best policies to choose from. Ellerhorst provides insurance coverage for motorcycles, motor scooters, motorized bicycles, off-road motorcycles, and trail bikes.
Perhaps you’re a first-time motorcycle owner, Ellerhorst Russell Insurance will help you choose an affordable motorcycle insurance policy that best suits your needs.
We offer the following coverage options;
- Collision
- Comprehensive
- Medical payment
- Bodily Injury Liability & Property Damage Liability
- Uninsured/Underinsured Motorist
- Additional Expense
Located at 10864 North Street Garrettsville, OH 44231, Ellerhorst Russell Insurance Agency also offers other insurance policies such as personal, business and farm insurance. The company proudly serves North East Ohio and is delighted to make insurance purchasing simple and ensure their clients are satisfied.
Looking for an insurance company near me or motorcycle insurance quote? Contact Ellerhorst Russell for the best policy deals.
ATV and Offroad Vehicle Insurance
If you are riding an ATV, you probably understand the risks involved. Therefore, insurance is necessary in case of any damage that happens. Typically, ATV insurance is meant to protect you and your motorcycle against any damage sustained.
Since these types of bikes are ridden in challenging terrains such as muddy, snowy, sandy, and much more, collision or comprehensive insurance can be the best options as they will cover all the expenses in case you run into the unexpected.
With the knowledge of where such bikes are operated, you need to play around well with the perfect insurance combos. Apart from comprehensive and collision policies, you may also want to include medical coverage, Uninsured/Underinsured Motorist as well as property damage liability. By combining these, you’re sure all the liabilities will be catered for, and you don’t have to break the bank.
Final Thoughts on Motorcycle, ATV, and Off-Road Insurance
