Any vehicle you own needs an insurance coverage. This is a must whatever type you have, whether it's recreational, sports or one you regularly use. Motorbikes or mopeds, as what they're commonly known, are not exempted.
Mopeds, even though they've gone through different classifications and have less licensing requirements, also need an insurance coverage. Additionally, the legal driving age for this low-powered type of motorcycle is lower at 15 years of age compared to the regular vehicles and motorcycles.
Mopeds are smaller in size and less bulky compared to the regular motorcycles. The term used is derived from two words - motor and pedal as coined by Harald Nielsen, a Swedish journalist in 1952.
These motorbikes can be with or without pedals. Normally with two wheels, they have limited use and speed limits especially in public roads and not allowed to run on freeways. As far as passengers are concerned, some states allow only one passenger other than the driver while other states are stricter allowing only a driver to ride the moped.
Laws that apply for mopeds differ from state to state. Some areas classify mopeds as motorcycles which means a motorcycle license is a major requirement in order to drive one. Some states may allow the regular driver's license to operate a moped although some require a separate license for this low-powered motorcycle. It is thus important to check first the laws in your area before deciding on getting insurance coverage for your motorbike.
Shopping from several insurance providers is also essential. This will help you find out which one offers the most comprehensive coverage at affordable rates. You can actually request for quotes from each of them to give you a better idea of their premium prices if budget is a concern for you. Some websites offer free quotes by allowing potential clients to fill out a registration form but you can also call the firm if you wish.
Be particular about coverage. Remember this will serve as your protection when any untoward incident occurs while you're driving a moped so it's advisable to choose the best one for your personal use. Things to consider if you've owned your moped for several years and are living in a populated location are accidents such as collisions, third party fire and theft.
It is also very important to learn about the terms and conditions on safety of any insurance plan you choose especially one that provides coverage to accidents. Most usually require the use of helmets as well as reflectors and lights for driving during nighttime.
But other than the coverage of the moped insurance policy and rates, you may also want to verify the company. Find out how long the company has been in the business and how many clients they have served so far. Most insurance providers have established an online presence wherein they provide their contact details so take advantage of this if you're particular of a company's reputation.
Know that you're spending money for an insurance policy as long as you own a moped so make sure that the coverage that you choose fits your needs.