Category: Motorcycle Insurance

You have saved enough, and you have gone ahead and bought a bike for yourself; congratulations. You are now part of South Dakota’s rich riding culture. While owning a motorcycle comes with its fair share of freedom, you have to deal with the respective responsibilities. One of such obligations is motorcycle insurance.

Because you are new in the motorcycle world, you might be wondering: should I buy motorcycle insurance? Is it mandatory in South Dakota? At Wilcoxon Insurance Inc., situated in Sioux Falls, SD, we are glad you asked. Here, we help riders like you understand the motorcycle insurance landscape, helping you choose the right coverage. 

Want to find out more? Please keep reading.

Is motorcycle insurance mandatory in South Dakota?

Yes, South Dakota requires you to carry motorcycle insurance, and you are required to show proof before registration of your bike. When on the roads, failure to show proof of insurance could lead to severe fines and penalties, including license suspension.

What motorcycle insurance options are offered in South Dakota?

While the state requires you to carry minimum motorcycle insurance coverage, your agent should advise whether it’s adequate. At first glance, the minimum coverages might look sufficient but may fall short when you are involved in a significant accident.

Other motorcycle insurance options that are offered for South Dakota riders include:

• Collision coverage to pay for your bike’s damages when involved in an accident.
• Comprehensive coverage to protect your ride from theft, vandalism, fire, and other perils stated in your policy.
• Medical payment coverage to pay for medical costs, loss of income, and funeral expenses in accident-related injuries.
• Uninsured/underinsured motorist coverage: Did you know that approximately 8 percent of South Dakota motorists are uninsured? With many less responsible motorists on the road, you need this cover if you are involved in an accident with one of them.

What determines my motorcycle insurance rate?

While each insurance company computes its rate differently, the below factors are primarily considered in the computation.

• Your bike’s value and power rating
• Your location
• Your driving record
• Type of coverage you opt

Need motorcycle insurance? Whether you are an occasional rider or a seasoned biker, at Wilcoxon Insurance Inc., located in Sioux Falls, SD, we can customize motorcycle insurance for you. Contact us today, and our team shall handle the rest.

When the cooler months start to set in in South Dakota, you find yourself riding your motorcycle less and less until it becomes too cold to travel by bike alone. Even decked out in leather, it is not enough to keep the icy temperatures from shooting straight to the bone in your body. It is important to safely store your motorcycle during the cooler months when you are not going to be riding it. 

Keeping It Out Of The Elements

One of the most important things you can do for your bike when you are storing it away for winter is to keep it out of the elements by storing it inside a garage or storage facility. Keeping the ice and snow off of your bike will prevent rust and corrosion, which can damage your bike. 

Cover Your Bike

Even if you have your bike back into a corner in your garage, you still want to cover it with a large tarp to protect the bike’s exterior. These covers are meant to insulate the bike, keeping dirt and debris off of it as well as moisture. 

Lubricate Your Bike

Before you put your bike up for storage, make sure that all of the moving parts on your bike have been well lubricated so that they are safe from the dry air that comes when it cools off. 

Remove Weight Off Of The Tires

Once you decide it is time to put your bike up, it is essential to take all of the tires’ weight when you store the bike. This protects the tires and prevents flat spots when you ride your bike again in the spring. 

Do you need motorcycle insurance coverage in or around Sioux Falls, SD? If so, give our agents at Wilcoxon Insurance Inc. a call today for more information. 

 

When you are in the Sioux Falls, SD area, having a mode of transportation is vital. One type of vehicle that you should consider getting is a motorcycle. When you have a motorcycle, you will be able to enjoy the nice weather and can be quite efficient. If you do get a motorcycle here, it is imperative that you get insurance. There are several reasons why you should get a motorcycle insurance policy.

Comply with State Laws

One of the reasons why someone will want to get a motorcycle insurance policy is so they can comply with state law. Similar to when you are operating any other vehicle on a public road in this state, you need to make sure you have liability insurance for your motorcycle at all times. This way, the state will know that you are able to pay for damages if you cause an accident. Those that are caught driving without this coverage could face severe penalties.

Protects Assets

Another important reason to get motorcycle insurance here is that it will protect your asset. Anyone that purchases a motorcycle is going to be making a significant investment. When you have a full motorcycle insurance policy, you are going to receive coverage for a wide range of issues that could cause a loss, including accident damage or theft.

Ultimately, getting a motorcycle insurance policy is a good idea for anyone in the Sioux Falls, SD area. If you are searching for a new policy here, you should call Wilcoxon Insurance, Inc. When you do call Wilcoxon Insurance, Inc. for your insurance needs, you can learn a lot more about all of your options. Our team will be able to assess your situation and help guide you into an excellent policy.