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MSM Insurance Agency Inc

78 John Miller Way
Ste 326
Kearny, NJ 07032

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973-668-0822

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Motorcycle Insurance

Motorcycle Insurance Coverage for Custom Part Replacement After an Accident

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One of the best reasons to purchase a motorcycle is the ability to make it your own. From custom paint jobs that enhance its appearance to chrome accessories, it’s easy to invest a significant amount in your bike. Your motorcycle insurance should cover your losses and the actual value of the bike—if you select the appropriate coverage level.

At MSM Insurance Agency Inc., we help our clients select the correct type of motorcycle insurance tailored to their needs in Kearny, NJ. Before purchasing coverage, ensure it accounts for the actual value of your vehicle.

Consider the Value of Replacement Components

Most motorcycle insurance policies do not automatically provide coverage for custom parts. Instead, they typically cover the expected value of your motorcycle based on the manufacturer’s specifications. However, this doesn’t mean you have to be at risk.

Work with our motorcycle insurance team to determine the value of your vehicle, including manufacturer costs as well as upgrades and modifications you’ve made. Gather information on the cost to replace those components. Please speak to your agent about the changes you’ve made to all components, whether they are aesthetic features like paint jobs or functional upgrades such as exhaust systems.

Choosing a policy that includes custom insurance coverage gives you peace of mind. It protects your investment and ensures that, in the event of an accident, your coverage matches the value of your bike.

Let Our Team Help You Today

Contact MSM Insurance Agency Inc. today to get a quote for custom motorcycle insurance in Kearny, NJ. Our team can help you determine the appropriate level of insurance for your needs and build a strong level of protection for all of your risks. Invest wisely with the help of our agency.

What Insurance Do I Need to Protect My Motorcycle from Winter Weather in Kearny, NJ

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Are you a motorcycle enthusiast gearing up to navigate the winter roads in and around Kearny, NJ? Learn how to safeguard your winter ride with comprehensive motorcycle insurance from the professionals at MSM Insurance Agency Inc.

Winter Ride Protection in Kearny, NJ

Winter riding in New Jersey requires cyclists to take extra precautions to protect themselves and their bikes from icy conditions. Bikers should ensure their motorcycles are covered and stored away from harsh weather when not in use, and properly prepared for winter riding when they venture out.

Winter hazards for New Jersey bikers can include icy roads, compacted snow, heavy traffic, and freezing temperatures that can adversely affect your ride.

Take Adequate Precautions to Protect Your Bike from the Cold

Preparing your bike for winter includes using antifreeze in your motorcycle’s cooling system and checking your tires to ensure they are winter-ready. Wearing suitable protective gear is crucial for riders, who should don specialized clothing and motorcycle gear to shield themselves from winter weather.

The most important step for winter road readiness is to ensure you have sufficient motorcycle insurance coverage. This protects your bike from collision and non-collision-related incidents. Consulting with a knowledgeable local insurance agent can help safeguard you and your bike from unexpected damages caused by natural disasters, collisions, theft, vandalism, and other covered perils.

Don’t wait until it’s too late to protect your bike from icy winter weather.

Contact your trusted local insurance agent at MSM Insurance Agency Inc. to learn about your best options for motorcycle insurance coverage, discover what optional add-ons are available, and get a comprehensive motorcycle insurance quote today!

A Brief History of Motorcycles

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Motorcycles have been around for a long time and have a rich history. The motorcycles people ride today are faster than ever but can be safer with proper handling. Brakes, safety gear, and many other things have improved over the years. It’s still important, however, to take out the appropriate motorcycle insurance policy. Contact MSM Insurance Agency Inc., serving Kearny, NJ, to explore policy options.

Motorcycles Race Into History

The first motorcycle hit the road in Germany in 1885. The so-called Daimler Reitwagen was designed and built by Gottlieb Daimler and Wilhelm Maybach. Back then, cars were also starting to prowl the streets, and motorcycle and auto insurance policies were unheard of. Other insurance policies were available for specific properties, however. It’s not known when or who took out the first motorcycle insurance plan, but the first car insurance plan was issued in 1897 in Ohio, and from there, auto policies spread relatively quickly.

Motorcycles, too, enjoyed strong growth early on. They became especially popular and important in the First World War, used to ferry messages and for other military tasks. After the war, motorcycles remained common. Motorsports became more popular as well, with more people racing bikes and cars. During the Great Depression, some motorcycle companies went out of business, and the industry consolidated.

Massachusetts became the first state to require auto insurance in 1927. After World War II, more and more states began to require car insurance. However, this didn’t necessarily mean that motorcycle insurance was required. To this day, some states that require car insurance don’t require motorcycle insurance.

Further, while gasoline engines dominated the first century of motorcycles, many now rely on electric engines. In the future, motorbikes will likely remain popular as a hobby and a form of transportation. However, if you operate a motorcycle, you should take out a motorcycle insurance policy. If you’d like to work with a motorcycle insurance agency that serves Kearny, NJ, you should contact MSM Insurance Agency Inc. immediately.

Three mistakes to avoid when you choose motorcycle insurance coverage

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Making mistakes when you purchase motorcycle insurance can be very costly. Fortunately, MSM Insurance Agency Inc. can help bikers in Newark, NJ to make the right decisions when they buy coverage for their motorcycle.

The following are three mistakes to avoid when you choose motorcycle insurance coverage:

Thinking that your motorcycle insurance coverage covers more than it does

You need to completely understand the details of the coverage you’re buying.

Remember that you have to add collision and comprehensive coverage to your policy because a basic liability policy won’t include them. It’s also important to check on options including roadside assistance, rental vehicle coverage, and uninsured/underinsured motorist coverage. 

Only purchasing the state minimum requirement of liability coverage

You’re only legally required to meet minimum liability coverage requirements with your policy. Yet you’ll definitely be more financially secure if you invest in added coverage.

Adding additional liability coverage to your policy might not cost you a whole lot more but could save you from a lot of financial problems down the road. 

Failing to notify your motorcycle insurance provider that you only use your bike recreationally

Motorcycle insurance providers will typically charge customers less if they ride their bikes recreationally rather than on a daily basis. That’s why it’s essential that you let your insurance provider know how often you use your bike.

You might find that your premiums are much less if you specify recreational use only on your policy. 

Schedule A Consultation Today

At MSM Insurance Agency Inc., we’re happy to provide motorcyclists in Newark, NJ with a quote on a motorcycle insurance policy. You can get in touch with us over the phone or online to get a quote on one of our policies.