As a motorcycle owner, you enjoy the lure of the open road. As a Memphis, TN resident, you realize that you may have to deal with some traffic conditions to get to that open road. To protect yourself and your bike, motorcycle insurance is a must but only liability insurance is required by Tennessee law. Why not take the time to talk to an experienced insurance agent about the coverage that is best for you. Keltner Insurance has agents who will be happy to share their knowledge with you.
Full coverage motorcycle insurance includes, in addition to the required liability coverage, collision and comprehensive.
Collison coverage is not a required coverage unless you have a loan on your bike. Your lender may require that you carry it. If you bike is relatively new, or if you would have a hard time coming up with the money to pay to have it repaired or replaced in the event of an accident, then having this coverage makes sense. Most policies have a deductible but collision will replace the motorcycle up to the Kelley Blue Book value in most cases.
Comprehensive coverage protects your motorcycle from harm other than a collision. If your bike is damaged by high winds, lightning, fire or vandalism, comprehensive coverage will repair or replace it. It also will replace your motorcycle if it is stolen. If you have had any additional customization done on your bike in the form of paint or parts, these will have to be insured separately,
Before you head out to enjoy the freedom of the open road, why not give the office of Keltner Insurance in Memphis, TN a call to set up an appointment for a no-obligation quote. They can help you to determine the amount and type of insurance that is right for you.