Scooter and moped insurance are sold as motorcycle policies. Learn more about motorcycle insurance and motorcycle insurance coverages. You'll be covered if someone steals your belongings from your scooter or if they get lost or damaged during a ride. This ensures your belongings that you take along with you on a ride, including your helmet, phone, and wallet. Unlike car insurance, comprehensive coverage and collision coverages are always sold together on a motorcycle policy to protect your scooter or moped from collisions, theft, and damage due to things outside of your control. It only covers property damage if you're at fault in a collision. This is the basic scooter insurance coverage required in most states, and it's also the most affordable option.
Options include: Bodily injury and property damage liability The amount of coverage you choose will also influence your scooter insurance cost. Scooters and mopeds are classified in the same category as motorcycles, so you'll purchase motorcycle insurance to protect your vehicle. What other factors impact scooter and moped insurance cost?
Your rate may increase if your driving history includes traffic violations or accidents. Driving history: You'll likely qualify for low rates if you have a clean driving record.Location: Minimum coverage requirements vary by state, and areas with a higher rate of accidents or theft may also have higher insurance rates.Age: Rates are typically higher for new drivers and drivers under 25 years old.Several components are considered by insurance companies when determining your rate.
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