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Motorcycle Insurance

Do all motorcycle owners need to have motorcycle insurance?

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motorcycle owners

Those in the Denver, CO area will want to know they have a reliable way to get around the community. During the warmer months of the year, a motorcycle can be a fun mode of transportation. When you are looking to purchase a motorcycle here, you need to ensure that you are fully insured. You will need to have this coverage here for various reasons.

Meet Requirements

A reason that all people in Colorado need to have a motorcycle plan is so they can meet all requirements that have been set. When you want to operate a motorcycle, or any other vehicle, on a public road in this state, you must carry liability insurance. Further, those that have motorcycle loans will need to have insurance that complies with their loan agreement. If you have a motorcycle plan, you can remain in good standing with your obligations.

Motorcycle Owners: Protect Yourself

Even if you were not required to get insurance for your motorcycle, it is still a good idea to get it. When you have a full motorcycle plan, it will provide the support that will protect your asset. Further, you will have insurance to protect your motorcycle if it is stolen or damaged. Ultimately, this is the best way to protect yourself and your prized possession.

As you are looking for a way to protect your motorcycle in Colorado properly, it could be helpful to contact us at Aspen Gold Insurance Brokers to request a free insurance quote. Our professionals at Aspen Gold Insurance Brokers can ensure you can build a plan that is right for your situation. This can offer all the guidance you need to create a plan to meet your needs. When motorcycle owners have proper motorcycle insurance, they are protected and could save them thousands if an accident would occur.

How Motorcycle Insurance Works

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how motorcycle insurance works

It’s great to ride a motorcycle to get somewhere and have fun. However, riding a bike comes with several risks. You take certain precautions when riding, but that isn’t enough to keep you protected. You also need motorcycle insurance coverage to protect your finances and assets. It’s important always to have this insurance when you have a bike. Never ride without it. When you need a policy, call us at Aspen Gold Insurance Brokers in Colorado.

Liability Coverage for Motorcycles

Just as with auto insurance, there are a variety of types of coverage that you can have in your insurance policy. It’s required that you have liability coverage for your motorcycle so that you and others are protected in case you cause an accident. If you have an accident judged to be your fault, you will be liable for paying for the medical bills of the other person and their property damage. You need bodily injury liability coverage to pay for the medical bills due to the other party after the accident. It would be best if you had property damage liability to pay for their property damage repairs. When you have liability coverage, the policy takes care of bills that otherwise would be yours to pay.

Other Coverage for Your Motorcycle

It’s also a good idea to get other coverage so that you are even better protected. Collision insurance pays for the damage to your bike after you have caused an accident. Getting comprehensive coverage can pay for several dangers that exist for your bike when you aren’t riding it. Both of these coverage types are recommended for keeping yourself financially safer.

Get Motorcycle Insurance

To protect yourself when you own a motorcycle, you need motorcycle insurance. If you don’t yet have a motorcycle policy, call us today at Aspen Gold Insurance Brokers in Colorado.

What Should I Know About Colorado Motorcycle Insurance?

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Motorcycle Insurance

If you are a biker in Colorado, you certainly need to know about motorcycle insurance. For example, you must show proof of insurance before registering your motorcycle. Just like you would protect your car with insurance, you will need insurance too for your bike. Even more, because you are at more risk when riding a motorcycle than a car. That said, to get the best policy that suits your needs, Aspen Gold Insurance Brokers has prepared for you what you should know before signing that policy. Let’s explore.

Types of motorcycle coverages

Besides the liability coverage that’s mandatory, there are other motorcycle insurance coverages available to fit your lifestyle and needs. They include:

  • Collision coverage
  • Comprehensive coverage
  • Underinsured and uninsured motorist coverage
  • Personal injury protection
  • Medical coverage
  • Roadside assistance

What determines the cost of your premium?

Motorcycle insurance policies may vary from one insurer to another. Always shop for a trusted insurer before committing to anything. However, here are some common factors that determine the cost of your insurance premium. These include:

  • Your driving record, where you live, and your age
  • Type or make of your bike
  • Age of your bike
  • Miles you ride per year
  • Number of claims you make
  • Where you store your motorcycle and much more

Endear your insurance agent

The ultimate goal of any insurance is to protect your assets and finances in case of an unfortunate event. A motorcycle is an investment that does not come cheap. Ensuring its well-protected is a no-brainer. Before you purchase one, be sure to ask a professional insurance agent about anything not clear. It would be best to get it right from the word go to avoid disappointments down the road.

Motorcycle insurance in Broomfield, CO

If you are in Colorado looking for motorcycle insurance, look no further than Aspen Gold Insurance Brokers. Contact us today for an affordable quote.

Is Your Motorcycle Ready for Winter?

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Motorcycle ready for winter

Whether you’ve lived in Colorado for ten years or ten days, you know the weather can change in a moment. As you hit the road one last time before temps drop, it’s essential to ask if your motorcycle’s ready.

What are the best ways to put your bike into hibernation until warm weather returns?

Service Your Bike

Perform a thorough inspection of your battery, belts, chains, tires, etc. Allowing dirty oil to sit in your bike all winter can damage your engine.

Give Your Bike a Bath

Chrome, paint, and leather need to be treated with care when prepping for winter. Grime and tar staying on your bike all winter equal a recipe for disaster in the springtime.

Update Your Storage Address

Make sure to update the insurance policy to reflect the correct address where your bike will be stored. That simple change may result in premium reductions if your bike is being stored in a secure garage versus on the side of your house.

Some riders wonder whether they can save a few more dollars by dropping motorcycle insurance or lowering their coverage when they aren’t riding.

What about a “lay-up” policy for the winter?

Pausing liability and collision coverage might make sense in the winter when you take fewer riding risks. But it’s important to remember that vandalism, theft, or other incidents can happen all year round.

Should I raise my deductible in the winter?

Consider the short-term win versus long-term implications of needing more cash on hand if an incident arises. While many people think it’s a great way to save money, there could be some catastrophic downsides that will cost you more in the long run.

Instead of thinking you need to know all your motorcycle-related answers, ask your agent. Serving Broomfield, CO for all your insurance needs, be sure to contact Aspen Gold Insurance Brokers.

When is motorcycle insurance needed in Colorado?

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Motorcycle Insurance in Colorado

While the winter months in Denver, CO can come with a lot of snow, the rest of the year tends to be mild and offer a lot of opportunities to have fun outside. Due to this, owning a motorcycle in this area of the state can be a good option and mode of transit. Those that would like to buy a motorcycle here will need to have insurance for it. A motorcycle insurance plan is needed for a few reasons.

Coverage Offsets Liability Risk

A key reason to get a motorcycle insurance plan in this area of the state is so you can offset your liability risk. If you make a mistake that results in an accident while you are driving your motorcycle, you will need to cover the damages. The liability component of your insurance plan will provide coverage to offset this risk. Due to the importance of it, you will also be required by the state to maintain this coverage.

Protection for Motorcycle

You should also get a motorcycle insurance plan to protect the motorcycle. Those that are going to operate a motorcycle regularly will want to be protected if it is damaged or stolen. With collision and comprehensive coverage, you will get insurance protection to mitigate and offset this risk.

A Denver, CO motorcycle owner will need to have insurance in basically any situation. If you would like to learn more about your insurance needs and options, calling Aspen Gold Insurance Brokers can be a good option. Those that do call Aspen Gold Insurance Brokers can learn a lot more about the different types of coverage that are available. The team will also offer the guidance that you need to choose a plan that provides you with the right protection for your motorcycle. Contact our experienced insurance agents today to get the best rates and policy for your specific needs.

Is Full Coverage Insurance Required for Motorcycles?

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Is Full Coverage Insurance Required for Motorcycles

Our team at Aspen Gold Insurance Brokers hears from a lot of motorcycle owners who want to find out if full coverage is required on their policy. The truth? No, but it might be. Here’s what you need to know about buying motorcycle insurance in Colorado.

Is Full Coverage Insurance Required for Motorcycles?

In general, so-called full coverage insurance is not required for motorcycles in Colorado. When we say full coverage, we simply mean carrying comprehensive and collision coverage. The only type of insurance you’re required to have to stay legal on the road is a liability, which pays to take care of the other person’s medical bills and property damage if you’re involved in an at-fault collision.

Comprehensive covers the cost to repair your bike if it is stolen or damaged by an act of nature, such as a storm or hitting an animal. Collision pays to fix your motorcycle if it physically collides with another object, such as another car, fence, light pole, etc. Both comprehensive and collision are optional on motorcycle policies.

Why You Might Need Comp and Collision Anyway

That said, there is a caveat to this. If you are still making payments to a lender, there’s a good chance they’ll require you to carry comprehensive and collision on your motorcycle insurance policy. Why? They have a monetary investment in your bike. If something happens, they want to make sure you’re able to get it repaired through your policy so that their financial interests are fully protected. However, if you really love your motorcycle, you’ll probably want this added protection anyway.

Are you ready to ensure you have the right motorcycle insurance coverage for your needs? Please contact our experienced team of insurance agents at Aspen Gold Insurance Brokers in Broomfield, CO to schedule an appointment.

Motorcycle Insurance FAQS in Colorado

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Motorcycle Insurance FAQS

Denver, CO has many residents who enjoy the local roads and back routes on their motorcycles. In fact, the whole state of Colorado has many visitors from around the nation who come to enjoy the scenic route. Aspen Gold Insurance Brokers are educated on all motorcycle insurance FAQS and is happy to answer any questions you may have about motorcycle insurance regulations in our beautiful state.

Frequently Asked Questions About Motorcycle Insurance In Colorado:

  • Is a helmet required to drive and insure a motorcycle? No, a helmet is not legally required for drivers or riders over 18 in Colorado. Those under 18 must wear a helmet if they are passengers or drivers. We strongly urge everyone to wear a helmet though because a regular accident that could have left a motorist bruised can be deadly without head protection.
  • Is motorcycle insurance legally required? Yes, motorcycle insurance is a legal requirement in this state. Much like car insurance, you must have a certain amount of basic coverage to drive and likely your loan company will require full coverage for the loan duration.
  • What can I do to reduce my chances of needing to use my motorcycle insurance? Be cautious, wear your helmet, do not drive when you are too tired, do not drive on any substance like alcohol or drugs, and always consider road conditions. A motorcycle is a higher risk to drive but if you are safe it can be highly rewarding on our great scenic routes.

Aspen Gold Insurance Brokers serves all of Denver, CO and the surrounding areas with quality insurance services. We are available to answer any questions you may have about a particular coverage and to provide for your insurance needs. Reach out for a free insurance quote to see if we can save you money on insurance and help bundle any insurance policies for you.

3 Ways to Prevent Motorcycle Theft

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Motorcycle Insurance

Whether you love the open road or just have an appreciation for well-made bikes, it’s likely that your motorcycle is your favorite vehicle in the garage. But many motorcycle owners might be surprised at just how vulnerable it is to theft. To prevent motorcycle theft in Colorado starts with taking a few more precautions. Aspen Gold Insurance Brokers wants you to understand more about what it means to keep one of your most prized possessions safe from harm.

1) Watch Where You Park

The very nature of a motorcycle makes it prone to theft, especially given just how light they are compared to a normal vehicle. If you park it out of the way, a motivated thief can easily carry it off without having to do much of anything at all.

2) Buy an Anti-Theft Device

Tracking devices may only help so much if the motorcycle has been dismantled, but they do give you (and law enforcement) some leeway. Plus, the very presence of a good anti-theft device can inspire a criminal to just keep moving.

3) Always Lock the Ignition

It might seem obvious, but most thefts occur when the ignition isn’t locked. As convenient as it may seem to just turn it off when you’re popping into a store for a minute, make the extra effort to turn it off so there’s no trouble later on.

A good insurance policy may not be able to prevent theft, but it can help you replace your motorcycle if something does happen to it. Aspen Gold Insurance Brokers is here to help the people of Broomfield, CO stay safe no matter where life happens to take them. Give us a call today if you’re looking for coverage or a quote that will protect the drive.

Read more information on motorcycle insurance.

What Is The Motorcycle Operator Safety Training Program? (MOST)

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Motorcycle Insurance

If you plan to ride a motorcycle in or around Broomfield, CO, the Colorado State Patrol offers the Motorcycle Operator Safety Training (MOST) Program to help you get licensed and stay safe on the road. As the most comprehensive motorcycle safety program in the state, insurance agencies such as Aspen Gold Insurance Brokers highly encourage customers to take advantage of this fun and educational program.

MOST Helps You Ride Legally

Successful completion of the Motorcycle Operator Safety Training Program provides students with a license waiver card that allows you to receive your M endorsement on your driver’s license. Many riders find the experience given by the trained professionals in the MOST program is more educational and informative than other motorcycle license preparation courses. MOST helps you bypass taking another testing before you get endorsed. By presenting your completed waiver to the Colorado DMV you can receive your M endorsement with no need to pass a written exam.

MOST Helps You Ride Safely

The safety instruction in this program is so renowned it’s accepted as training for other state’s licensing requirements. We cannot ignore the benefits of proper motorcycle safety: A study in 2015 found 35% of motorcycle fatalities in Colorado involved riders who lacked professional training. The Colorado State Patrol aims to lower accidents like these and those caused by drunken motorcyclists by making MOST a high-quality safety program with outstanding advantages for those who complete it.

Aspen Gold Insurance Brokers encourages anyone with an interest in motorcycling and motorcycle insurance around Colorado to look into CSP’s Motorcycle Operator Safety Training Program to stay safe and legal out on the road.

Motorcycle Insurance Questions You Should be Asking

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What motorcycle insurance questions should you be asking an insurance company when looking for the best motorcycle insurance policy for your needs? It is easier as you know the questions you might ask and information to discuss as you contact the company.   Insurance can help the riders feel more comfortable as they load belongings into the cargo compartments.  Another question you might ask the insurance company, What is the coverage for the belongings I take with me on motorcycle trips?  Also, knowing how accessories are covered with insurance is nicer for those customizing their motorcycles.  Some spend significant amounts of money improving their motorcycles and it is helpful to know what is included with insurance.   How does insurance work for the new chrome parts for my motorcycle?  Deterring theft is a consideration for some people and the freedom of riding a motorcycle can be enjoyed more with discussions about insurance.   Is there an insurance discount for any anti theft devices for my motorcycle and what are other ways to deter theft?

Contact Aspen Gold Insurance Brokers to ask your motorcycle insurance questions and get information about insurance, accessories, and preventative measures for protecting belongings carried on the motorcycle.  The trained staff is there to answer your questions and is knowledgeable about insurance for Broomfield, CO.

Feel more confident riding your motorcycle and know what is covered.  Those customizing their motorcycle might know how expensive it is to purchase the parts with labor.   Many experienced motorcycle riders enjoy planning trips and showing others their motorcycles.   Another smart plan is to discuss the details of insurance with a knowledgeable team.   Aspen Gold Insurance Brokers is available to discuss your needs.  You can contact the agency for more information about insurance.   Serving Broomfield, CO, and surrounding Colorado neighborhoods, the experienced staff at the insurance agency can discuss the benefits of motorcycle insurance. Learn more about Motorcycle Insurance.