How to Shop for Scooter Insurance

Scooter insurance is an insurance policy that covers the costs of any damage related to scooters. While it's mass and maximum speed ensures that it won't cause as much damage as some of the other forms of transportation, it is much more likely to suffer damage should it wind up on the receiving end of the accident. Getting scooter insurance is also a trickier process than getting insurance for some other forms of personal transportation, but the end results are well worth it.

Figuring Out Scooter Insurance State Laws

Different states have different laws regarding scooter insurance. Before you begin shopping for scooter insurance, a scooter owner should check to see what those laws actually are. The easiest way to find this out is to inquire at your local DMV. You can also look up the relevant laws at the official website of your state government's Department of Public Safety.

What Scooter Insurance Offers

Scooter insurance offers similar benefits as auto and motorcycle insurance. Most scooter insurance providers will offer the following:

Collision coverage - covers the damage to the body of scooter during a collision. 

Liability coverage - covers the legal costs that result from an accident. For example, if you crashed into a pedestrian and a pedestrian sues you, this will you pay the legal bills. In many states, the coverage hinges on who is at fault - if you are found to be at fault, you may wind up without any coverage whatsoever.

Medical coverage - covers the medical bills for any injuries you sustained during the accident.  Depending on the policy, it may also cover medical bills for other parties involved in the accident.

In addition to that, most policies will offer total replacement coverage, which will cover the cost of replacing the scooter if it's damaged beyond repair.

Factors to Consider

As with auto and motorcycle insurance, there are a number of factors that the insurance companies consider before deciding what kind of policy they would be willing to give you. Some of those factors are the same between all forms of personal transportation - your age, your health history and your driving record. Others are more scooter-specific. They include:

  • Scooter size - this includes both the size of the scooter's engine and the size of the scooter in general. If the scooter's engine is under 50 cc, it is much more likely to qualify for cheaper, less restrictive insurance policies.
  • Scooter-related statistics in your area - this includes the rate of scooter-related accidents and the number of scooter thefts.
  • Scooter usage patterns - this includes how often you plan to drive your scooter, how far do you intend to drive it and what kind of measures you are willing to take to keep it from getting stolen.
  • Your experience with scooters - whether or not you had a scooter before and, if you did, how long you have used it.

Picking the Right Scooter Insurance

Many major auto insurance providers also offer scooter insurance. if you already have auto insurance, you may want to consult your insurance provider first - you might be able to get discounts and more favorable rates. If that doesn't happen, examine other providers. You should aim to find a scooter insurance policy that has low rates and extensive coverage. There are a number of online resources that will allow you to compare different insurance companies' rates. Consider any discounts the insurance provider may offer. Be wary of any scooter insurance policies that look too good to be true - chances are pretty good that they are. if you have any doubt about an insurance company's legitimacy, look up its name with Better Business Bureau.

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