You may be wondering, however, how does USAA motorcycle insurance work? Is it similar to traditional car insurance? What are the most common coverages? What is not included in the protection?
Motorcycles hold a special place in the imagination of many people and, over time, have inherited several meanings. Just think about it for a moment and several iconic fictional characters who stood out on two or more come to mind.
Today, motorcycles are part of many people’s lives. In big cities, they make the daily commute to work easier. For others, they are their work tool.
Whatever the reason you use a motorcycle, one thing is certain: having insurance is essential. It helps reduce costs in the event of accidents, but it also gives you extra peace of mind when using your vehicle.
Learn more below!
What is USAA motorcycle insurance?
It’s important for every rider to find affordable motorcycle insurance. USAA offers motorcycle insurance with rates specifically tailored to military families. But how much does USAA motorcycle insurance cost?
Knowing the average cost of this insurance will help you better budget and make a more informed decision.
USAA (United Services Automobile Association) is a well-known financial association among military personnel and their families, providing insurance that fits the lives of service members.
To ensure affordable protection, USAA also offers motorcycle insurance. And to that end, USAA offers coverage from the basics to the essentials for safe riding:
- Pays for the cost of third-party injuries, including accidents that result in property damage or injury if the responsible party is at fault for the event.
- Covers the costs of third-party damages, both physical and financial, when the insured is at fault for the accident.
- Protects against damage to your own motorcycle from collisions, theft, vandalism, and natural disasters.
- Guaranteed assistance if you are involved in an accident with someone who does not have the necessary insurance to cover the costs.
- Additional coverage for those who want more protection, there are options for motorcycle accessories coverage, roadside assistance, and medical expenses.
Membership in USAA also gives you discounts on insurance costs, along with an ongoing supply of support and assistance.
Keep in mind that the insurance is not for everyone; it is primarily comprised of military personnel, veterans, and their families, such as spouses, children, or widows.
It is dedicated to the military community, and only those who have been honorably discharged are eligible for this commitment.
The Advantages of USAA Motorcycle Insurance
For motorcycle enthusiasts, the feeling of freedom on the road is exceptional, but safety must be taken into consideration.
Having insurance for your motorcycle is not just a formality or a necessary legal requirement; it is also the guarantee that you, your bike, and your wallet will be safe under any circumstances.
Here, you do not have to worry about damage caused by an accident or the destruction of your budget caused by a theft.
Insurance makes it easier to cover these unfortunate events and also helps to avoid legal complications if an incident occurs.
Each state in the US has its own requirements for motorcycle insurance. If you want to avoid fines or problems, you need to make sure that your coverage meets local requirements. This is a precaution that avoids hassles and keeps your license up to date.
USAA Motorcycle Insurance: Designed for those who serve
USAA is the epitome of insurance designed for the military community and their families. This insurer’s products are designed with the unique concerns of these individuals in mind.
The insurer combines safety and savings for its target audience, allowing each member to customize coverage to their most important concerns.
USAA’s motorcycle insurance program is completely flexible: coverage ranges from basic liability to more comprehensive options like collision protection and natural disaster coverage.
This approach gives each customer the option to select what they want, without having to pay more for something they won’t use.
Exclusive member benefits and discounts
Those who are insured through USAA enjoy a variety of other benefits. Discounts are common: by bundling motorcycle insurance with other USAA policies, costs are reduced.
It’s worth remembering, however, that USAA insurance is exclusive to members of the military community. Whatever the situation, USAA offers options to cover everything a rider needs. Some of the main ones include:
- Comprehensive and collision coverage: If you choose this type of coverage, your motorcycle will be damaged in an accident. Collision coverage covers the repair part, and comprehensive coverage covers theft, vandalism, or natural disasters.
- Uninsured motorist protection: Unfortunately, not everyone is honest; this coverage will provide you with financial support if you have an accident with someone who is not covered or has insufficient coverage.
There are additional coverages, with third-party coverage for material and bodily damage being the most common.
But there is also coverage for damage to headlights, taillights and rearview mirrors, accessories, safety equipment and others.
How much will USAA motorcycle insurance cost?
Sport models will have higher motorcycle insurance rates. Custom models, such as Harley-Davidsons, have more attractive rates, since they are used mainly for leisure.
The most basic motorcycle insurance packages usually only cover theft and robbery, but it is possible to add protection against accidents, damage to third parties and fires.
Conclusion
When it comes to USAA motorcycle insurance, every detail matters. If you choose a USAA plan, carefully consider what you really want to protect most for your motorcycle.
Also consider costs and discounts. Low-risk drivers who are also cautious can save a lot with USAA. What if you have to use insurance?
USAA takes great pride in the service it provides to its members and will make any process easy and quick—which can be very important in certain cases.
If your intention is to protect your transportation and have peace of mind about your safety, then USAA motorcycle insurance is worth it.
There are many carriers available on the market. Talk to a consultant and find the plan that best suits your preferences and financial conditions.
