Calgary Motorcycle Insurance

Easy motorcycle insurance in Calgary: Get affordable coverage today

Are you thinking about buying a motorcycle to explore Calgary and its stunning nearby regions? Choosing the right motorcycle can be straightforward if you already know the model you want. However, while searching for your ideal bike, it’s essential to consider motorcycle insurance as well.

Owning a motorcycle is an investment that carries certain risks, which could lead to financial loss. That’s why it’s important to protect your investment by securing the appropriate motorcycle insurance policy.

Acera Insurance offers free motorcycle insurance quotes. Our experienced brokers are experts in motorcycle insurance and are ready to answer any questions or address any concerns you may have.

Leading motorcycle insurance brokers in Calgary

While all vehicles present a degree of risk, motorcycles are viewed as particularly high-risk by insurance companies, especially when riding through Calgary’s bustling streets or venturing out to picturesque neighbouring areas. The chances of a motorcycle accident are greater than those involving cars, which is why it’s crucial for Calgary riders to secure comprehensive motorcycle insurance for peace of mind.

Requesting motorcycle insurance quotes from local Calgary brokers online is a fast and easy process. Knowledgeable motorcycle insurance professionals in Calgary are available to provide answers to your questions and help you select coverage that’s tailored to your unique riding preferences and requirements.

Essential motorcycle insurance coverage for Calgary riders

A basic motorcycle insurance policy includes several mandatory coverages, which represent the minimum level of insurance you are required to carry.

1. Mandatory Coverages

Just like every province in Canada, Alberta requires motorcyclists to have specific insurance coverage. These mandatory policies are put in place to ensure the safety and financial protection of both riders and others on the road, whether you’re cruising through Calgary or exploring the wider province.

Third-Party Liability Coverage

Third-party liability coverage is a fundamental part of any motorcycle insurance policy. It is designed to safeguard you financially if you are found responsible for an accident that causes injury to others or damage to their property. This coverage will pay for the medical treatment of injured parties and for repairs to their vehicles, ensuring you are protected against costly legal and compensation claims.

Accident Benefits Coverage

Accident benefits coverage is vital for your well-being and that of your passengers. Regardless of who caused the accident, this coverage provides financial support for medical expenses, rehabilitation services, lost wages, and any necessary medical equipment. It extends protection not just to you as the rider, but also to your family members travelling with you, highlighting its importance in comprehensive risk management.

Uninsured Driver Coverage

The risk of encountering uninsured or underinsured drivers is real for all riders. Uninsured driver coverage ensures that if you are involved in a collision with someone lacking adequate insurance — or in a hit-and-run incident — your damages and injuries will still be covered. This protection is crucial for your financial security and peace of mind.

Direct Compensation Property Damage Coverage

Direct compensation property damage coverage is essential if your motorcycle is damaged in an accident where you are not at fault, or only partially at fault. Instead of relying on the other party’s insurer, your own insurance provider will handle the repair or replacement costs. This means faster service and less hassle during stressful times, making it an indispensable part of your policy.

2. Optional Coverages for Additional Protection

You’ll find that mandatory motorcycle coverage does not fully cover the many risks that could happen. That’s why insurance companies provide optional add-ons that you can choose from, depending on your needs. These include:

Comprehensive coverage, which is an excellent addition to your Calgary motorcycle insurance policy since it can cover damages resulting from risks not related to a collision (i.e., theft, vandalism weather-related damage).
Collision coverage can cover repairs or replacing your motorcycle if you are deemed at-fault for a collision.
Accessories coverage, which can cover your tires, helmet and other motorcycle accessories.
Roadside assistance coverage handles the cost of getting help for a flat tire or towing charges.

At Acera Insurance, we can offer you several motorcycle insurance quotes with different coverage options to fit your needs.

Understanding what determines the cost of motorcycle insurance in Calgary

Similar to other types of insurance, motorcycle insurance premiums are customized for each individual client, which means determining an exact price can be challenging. However, insurance providers in Calgary consider several key factors when calculating the cost of motorcycle insurance:

Age: Insurance companies consider younger drivers as more reckless and less experienced and, therefore, more likely to cause collisions.
Type of Motorcycle: It goes without saying that faster and fancier motorcycles with a large engine will be more expensive to cover with insurance.
Amount of Coverage: If you’re only getting the minimum coverage without any add-ons, you’ll spend less on motorcycle insurance. But remember, cheaper insurance is not necessarily better as, without adequate coverage, you could face serious financial shortfalls if involved in an accident — regardless of if you’re at fault or not.
Insurance History: Insurance providers also take a look at your history of insurance claims and accidents you were involved in before deciding on your motorcycle insurance rates.
Speeding Tickets: Expect your insurer to also check if there are any speeding tickets on your driving record to get a sense of whether you are a safe or reckless driver.

To receive a detailed motorcycle insurance quote, connect with one of our Calgary brokers today.

How to save money on motorcycle insurance in Calgary

Now that you know what goes into consideration when an insurance provider calculates the cost of your motorcycle insurance, here are some tips you can use to try and save on motorcycle insurance in Calgary:

Bundle Away: If you find an insurance provider that offers motorcycle insurance along with home, auto and life insurance, consider taking advantage of and bundling all your policies from the same company to get a discount.
Lower Risk Factors: Since insurance is all about covering possible risks, the less risk you are exposed to, the more affordable your motorcycle insurance. Installing anti-theft systems on your motorcycle, for example, can do the trick as can taking extra safe driving courses.
Keep Your Bike Safe: If you can prove you have safe storage space for your motorcycle, your insurance provider may be inclined to lower the price of your Calgary motorcycle insurance policy.

Our experienced team of motorcycle insurance brokers can tell you more about discounts and the amount of coverage you need so that you’re not paying more than you should.

How our Calgary motorcycle insurance brokers can assist you

Our team specializes in motorcycle insurance designed for riders in Calgary. We take the time to understand your individual needs and circumstances, then search for the most comprehensive coverage options at the best available price.

As an independent insurance brokerage based in Calgary, Acera Insurance works with leading motorcycle insurers — both local and national. This means you receive quotes from a range of providers, ensuring you find coverage that fits your requirements.

Contact our Calgary experts today to get started. You can reach us online, by phone, or visit us in person at one of our Calgary offices.