If you drive a car or ride a motorcycle, you need insurance. But did you know motorcycle insurance and car insurance are not exactly the same? At Roadway Insurance in Maryland, we help drivers and riders stay protected with the right type of coverage. We provide motorcycle insurance and car insurance in Maryland.
Why You Need Insurance
Whether you drive a car or ride a motorcycle, having insurance is very important. Accidents can happen at any time, and they can be expensive. Insurance helps protect you from paying for everything out of your pocket. It’s a safety net that’s there when you need it most.
If you get into a crash, insurance can help cover the cost of fixing your vehicle. It can also help pay for medical bills if you or someone else gets hurt. If you accidentally damage another person’s car, motorcycle, or property, your insurance can help pay for that too. Without insurance, you could be stuck with thousands of dollars in bills.
In Maryland, the law says you must have insurance to drive a car or ride a motorcycle legally. If you’re caught driving without it, you could face big fines, lose your license, or even have your vehicle taken away. That’s why you want to have the right coverage before hitting the road.
It’s also important to know that car insurance and motorcycle insurance aren’t exactly the same. The kind of coverage you need and how much it costs can be different. That’s because cars and motorcycles have different risks, repair costs, and safety features.
No matter what kind of vehicle you drive, having insurance gives you peace of mind. You can feel safer knowing that if something goes wrong, you have help paying for the damage. At Roadway Insurance in Maryland, we’re here to help you find the right policy for your car or motorcycle—so you can stay protected every time you drive or ride.
Key Differences Between Motorcycle and Car Insurance
The difference between auto insurance and motorcycle insurance depends on these factors:
Type of Vehicle
This may seem obvious, but motorcycles and cars are very different. Motorcycles are smaller, have fewer safety features, and don’t have a protective shell like a car. That means motorcycle accidents can lead to more serious injuries and different insurance needs.
Insurance Costs
Motorcycle insurance often costs less than car insurance if you have a basic bike and a good driving record. But the cost could be higher if you ride a high-performance or custom bike.
Car insurance tends to cost more because cars are more expensive to repair, and many drivers get full coverage, which includes protection for your own car and others.
Coverage Options
Both motorcycle and car insurance offer:
- Liability Coverage: Pays for injuries or damage you cause to others.
- Collision Coverage: Pays to repair or replace your vehicle after an accident.
- Comprehensive Coverage: Covers non-accident damage, like theft or weather damage.
- Uninsured/Underinsured Motorist Coverage: Helps if the other driver doesn’t have enough insurance.
- Motorcycle insurance can also include accessory coverage for custom parts and gear, such as your helmet, jacket, and saddlebags.
Passenger Coverage
Car insurance usually covers all passengers in your vehicle. With motorcycles, passenger coverage may not be included unless you ask for it. If you often ride with someone on the back, make sure to add this coverage.
Which One Is Right for You?
It’s not a matter of choosing one or the other. It’s about having the right policy for the vehicle you use. If you drive both a car and a motorcycle, you’ll need separate insurance policies for each.
At Roadway Insurance in Maryland, we can help you build a plan that fits your needs and your budget whether you ride, drive, or do both. Call Roadway today at 301-476-1183 or get a free quote online.