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Exploring Custom and Classic Motorcycle Insurance - Atlanta, GA in Georgia

Whether you’re cruising the roads of Georgia on a vintage bike or enjoying a heavily customized ride, insuring your beloved motorcycle is essential. Regardless of how experienced or responsible you may be, there are significant inherent risks any time you hop on your bike, and lacking adequate insurance could lead to substantial financial losses. With this in mind, the knowledgeable team at Peachstate Insurance is ready to delve into the world of custom and classic motorcycle insurance.

What Motorcycles Need Custom or Classic Motorcycles?

The requirements for custom or classic motorcycle insurance may vary by carrier. For example, classic motorcycles may often be considered at least 25 years old and have retained their original design. Meanwhile, custom motorcycles are typically defined as those with specialized parts or significant modifications. However, again, exact qualifications may vary among insurance companies.

Are There Legal Requirements for Custom and Classic Motorcycles?

Regardless of how often you ride or your vehicle’s specifications, if your classic or custom bike is used on public roads, you likely need insurance. Most states, including Georgia, mandate liability coverage for third-party bodily injuries and property damage before allowing you to register your motorcycle. You may also be subject to additional requirements if you’ve financed your bike.

Other Coverage Considerations for Classic and Custom Motorcycles

In addition to ensuring compliance with state laws and lender requirements, you should also be aware of other coverage options for your motorcycle. Consider the following options for custom and classic bikes:

• Custom parts and modifications coverage—This feature may be critical, as it can ensure you’re able to repair or replace your bike with original manufacturer parts or those that match enhancements you may have made to your motorcycle.
• Roadside assistance coverage—This may assist with costs related to towing your motorcycle and similar emergency-related assistance.
• Agreed value coverage—This establishes an agreed-upon value for your classic or custom bike at the time a policy is purchased, which will not depreciate over time.

Learn More

Contact Peachstate Insurance today to learn more about getting the right coverage for your classic or custom motorcycle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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