Buying a new (or used) motorcycle can be an exciting event. Unlike driving a car, riding a motorcycle can come with many thrills, making it a fun activity. If you’re a Flowood, MS resident and you’re considering purchasing a motorcycle, you will want to check insurance rates as you search for your bike. You might wonder if you can ride your motorcycle without insurance, but like most other states, you must be legally insured to ride on Mississippi roads and highways. 

Penalties for Failing to Have Insurance

If you fail to insure your motorcycle before riding on the roads and highways of Mississippi, you could face severe penalties. Fines, suspension of your motorcycle license, impoundment of your motorcycle, and the possibility of filing a special form with the state, such as a certificate of financial responsibility. Filing such a form will cause your insurance rates to skyrocket. 

Finding Affordable Insurance

Motorcycle insurance isn’t costly in Mississippi, so regardless of which insurance provider you choose, you won’t pay half as much for full coverage as you would to cover a car or truck. Therefore, there is no reason to suffer from the consequences of failing to have insurance because obtaining a good plan is easy and relatively affordable. 

As you can see, riding a motorcycle in Mississippi without proper insurance coverage is illegal. If you are a Flowood, MS, resident and you need insurance coverage for your new bike, you may want to consider contacting us at Insurance Protection Specialists. We will provide you with a quote and get you started with quality coverage so you can enjoy your bike immediately. Contact us today, and one of our friendly agents will assist you.

If you work in the city, a motorcycle can make it easier for you to get around. You can save on gas, navigate busy streets with fewer problems, and find quicker parking. At the same time, urban riding can be hazardous due to heavy traffic and greater distractions. These safety tips from Insurance Protection Specialists in Flowood, MS can help keep you safe from accidents.

Ride Responsibly

Stay alert on the road and focus on the surrounding traffic. Obey the speed limits, keep your distance from other drivers, and signal when changing lanes or turning to let your intentions be known to other drivers. Always scan the road for potential dangers like potholes, debris, pedestrians running into traffic, etc. 

Wear Protective Gear When Riding

Wear protective gear anytime on the road, as you never know when you may have an accident. This includes a full-face helmet, protective gloves, jacket, and boots to protect you from severe injuries in an accident. 

Make Yourself Seen 

A bright-colored motorcycle jacket or fluorescent vest will make it easier for drivers to notice you, especially at night. Being seen reduces your risk of accidents. 

Hone Your Skills in a Parking Lot

If you’re new to urban riding, hone your skills in an empty parking lot. Set up cones and practice weaving in and out of "imaginary” traffic. Practice braking and accelerating, switching lanes, turning corners, and parking. Please get to know your bike and how it handles

Don’t Drink and Ride

Use public transport if you’re going for drinks after work with friends. Riding a motorcycle under the influence of alcohol can be deadly.   

Get Motorcycle Insurance Coverage

With motorcycle insurance, you can confidently ride knowing you’re protected from any eventuality. Contact Insurance Protection Specialists in Flowood, MS to purchase a motorcycle policy.

Motorcycle insurance is a vital part of owning a bike. Not only is it required by law in most states, but it can also provide crucial protection in the event of an accident. However, with so many different policy options available, it can be difficult to choose the right one.  Insurance Protection Specialists in Flowood, MS can help you navigate this important coverage.

Here are a few things that riders should look for when shopping for motorcycle insurance:

Coverage Limits

The first thing to look for in a motorcycle insurance policy is adequate coverage limits. This means choosing a policy with high enough limits to cover the cost of any damage or injuries that may occur in an accident. Riders should also make sure to get uninsured/underinsured motorist coverage, which can help cover the costs of damages if they are hit by a driver who doesn’t have insurance.

Cost

Of course, riders also need to consider the cost of their motorcycle insurance policy. While it is important to get adequate coverage, riders should also be mindful of their budget and choose a policy that fits their needs. Riders can often save money by bundling their motorcycle insurance with other types of insurance, such as auto or homeowners insurance. However, don’t sacrifice coverage to save money. It’s not worth it if you end up being underinsured.

Fine Print

Finally, riders should always read the fine print of their motorcycle insurance policy before signing up. This will help them understand exactly what is and isn’t covered by their policy. Riders should also be aware of any deductibles or exclusions that may apply to their policy. By taking the time to understand their policy, riders can be sure they are getting the coverage they need.

Give Us A Call

Choosing the right motorcycle insurance policy doesn’t have to be difficult. Riders just need to make sure they understand their coverage needs and budget. By shopping around and comparing policies, riders can find the perfect policy for their needs. Need help finding the right motorcycle insurance policy? Insurance Protection Specialists in Flowood, MS can help. We’re here to answer any questions and ensure you’re getting the coverage you need.

Contact us today to get started.

Driving a motorcycle requires a special set of skills and safety precautions. Even if you have already passed your riding test, there are still safety measures to consider before you hit the road. Insurance Protection Specialists, serving Flowood, MS, has prepared this quick list to help our local motorcyclists be ready to ride.

Wear Your Helmet, It’s The Law

Proper helmet use saves over a thousand lives annually. In fact, motorcycle lifts are 29 times more likely to die in a crash than those operating a passenger vehicle. Wearing a helmet also saves billions of dollars in economic costs due to accidents. This is why the state of Mississippi requires helmets to be worn by drivers and riders of any motorcycle-type vehicle.

Wear Other Safety Gear

Keep your arms and legs completely covered. Heavy denim or leather is recommended. Footwear should cover the ankles. Gloves offer protection and better grip. 

Be Familiar With Your Bike

If you have a new motorcycle, practice riding it in a familiar area before taking it into traffic. Get used to how it handles in different conditions and when encountering potential hazards. Some obstacles to look for include wet roads and potholes. Also perform regular safety inspections before riding, particularly if you’re going on a long trip. Check for gas or oil leaks, as well as tire pressure and brakes. 

Be Insured

Mississippi Law requires all drivers to maintain minimum liability insurance. In addition to staying legal on the road, Insurance protects you in the event you are financially responsible for an accident. Minimum liability typically includes coverage for bodily injury, property damage, and personal injury.

Don’t be caught without motorcycle insurance. Flowood, MS drivers can reach out to Insurance Protection Specialists today.

Motorcycle owners throughout the Flowood, MS area rely on Insurance Protection Specialists for their motorcycle insurance needs. If you are a seasoned rider or are just getting started, it’s important to have the right insurance coverage that meets your needs. While a basic policy is a good first step, it may not give you the necessary coverage. Our team is here to help you find the policy that is adequate for your protection needs.

Why a basic motorcycle insurance policy is often inadequate

Mississippi has minimum insurance coverage amounts for motorcycles that must be in place before you take your bike out on the road. In addition to these policy coverage levels, many bikers choose to carry a more robust policy. If you want the peace of mind that comes with knowing you have the protection you need, it’s time to look at more comprehensive motorcycle insurance policies.

Two sought after coverage options are increased medical protection and protection from damage and theft of your motorcycle. Often, these two coverage areas are not as robust in basic policies as some owners want. Whatever the motivation for seeking increased protection, there is likely a policy that has the protection you want. Why worry about potentially covering excess accident-related expenses if you can put a complete motorcycle policy in place?

Increased coverage levels are another way to boost your protection. Remember that the state-mandated levels are simply minimums, and your needs may be higher than the requirement. 

Flowood, MS area riders have the team at Insurance Protection Specialists to help them with their insurance needs. If you are a motorcycle owner who wants to make sure that you have the coverage you need, call or stop by today!