NJ Motorcycle Insurance
Motorcycle Insurance Serving Central New Jersey
“But I only ride my bike occasionally so my motorcycle insurance is no big deal, right?” Think again. Many people picked up their NJ motorcycle insurance when they purchased their bike. Quick, convenient and it got you out on the road in minimal time. What’s not to love?
The problem, we find, is that in these circumstances, little or no consideration is ever given to proper coverage levels. You run the same risk of loss on your bike as you do in your car. Injured parties don’t care about how often you ride or how careful you are, only about how you’ll be able to make them financially whole. Fortunately, we can help you address this, often for less than you’re paying now.
What you need to know about NJ motorcycle insurance
Motorcycle insurance NJ coverage options
Additional coverage
Motorcycle insurance discounts & savings
At Sharer & Associates, we provide quality, affordable insurance to the residents of Millstone Township, Monroe Township, Manalapan, Freehold, East Windsor, Hightstown, Jackson, Hamilton, West Windsor, Princeton and all of Central NJ.
What you need to know about NJ motorcycle insurance:
The following are a few things to consider when determining whether motorcycle insurance is right for you.
- If you or your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- If you’re in an accident or your motorcycle is stolen, it often costs a lot of money to fix or replace.
- Make sure your health coverage is solid. If you or a passenger is injured in an accident, medical costs can be extremely expensive. Unlike auto insurance, there is no mandated Personal Injury Protection (PIP) to cover medical expenses for the operator or passenger on your bike.
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Motorcycle insurance NJ coverage options:
For some, the goal is cheap, discount New Jersey motorcycle insurance; for others it’s adequate coverage. At Sharer & Associates, a motorcycle insurance company, we believe you can have the right coverage at a great price! These coverage options protect you, your passengers and your bike:
- Collision - This coverage typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree or a building.
- Comprehensive - This protection covers your bike if it’s damaged by flooding, wind, vandalism, theft or another reason that doesn’t involve a crash with another vehicle.
- Medical Payments Coverage - This coverage helps to take care of the medical expenses that result in any injury to the bike operator.
- Property Damage Liability - This coverage covers damages to another person’s property when you are at fault in an accident.
- Bodily Injury Liability - If you are at fault in an accident, this coverage typically covers damages that result from injury or death of another driver.
- Pedestrian PIP & Guest Liability - Your Bodily Injury Liability does not cover the passengers on your bike or the pedestrians on the street. Make sure they’re protected with this coverage.
- Uninsured/Underinsured Motorist Bodily Injury - If an accident is not your fault, this coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver.
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Additional coverage:
- Equipment Coverage - This optional coverage protects you from loss of any optional or added equipment not installed by the manufacturer.
- Towing - Covers the cost of motorcycle towing when you need roadside assistance.
- Rental Reimbursement - Covers the cost of renting an automobile if your motorcycle is damaged or stolen.
- Lease/Loan Gap Coverage - This coverage usually pays the difference between your motorcycle and the balance of your loan or lease. (To get this coverage, you must have Comprehensive and Collision coverages on the same policy).
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Motorcycle insurance quotes, discounts and savings:
Look through the discounts and savings that we offer, and save up to 40 percent on your premium!
- Multiple Motorcycle Discount
- Multiple Policy Discount
- Transfer Discount
- Good Rider Discount
- Motorcycle Organization Discount
- Motorcycle Safety Discount
At Sharer & Associates, we want you to enjoy the ride. Call us today at 732-446-4919 to learn more about motorcycle insurance, or contact us to request insurance quote.
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