How Much Is Moped / Scooter Insurance?


There are less talks on the internet for cheap insurance options for mopeds/scooters than for auto or cars. Though, you may find some useful information to get the cheapest motorcycle insurance for yourself. One of the major factors for two-wheeler insurance are bodily injury and property damage liability coverage. These coverage are almost mandatory in most states of the US for two-wheeler drivers.

How Much Is Moped / Scooter Insurance?

How to get cheap and affordable insurance for mopeds or scooters? How to find insurance premiums for motorcycle? Read the techniques and the necessary information to get what you want.

Insurance Cost

The insurance that you need to know in any insurance is that of the vital importance. It is always advised, to double-check the insurance cost of your insurance and find out if there are any errors.

  • Some states also need personal injury protection (PIP)
  • Vehicles have coverage are also available for mopeds and scooters
  • There are optional coverage attractive to many smaller vehicle drivers
  • All motorcycle insurance policy adds bodily injury and property damage liability coverage
  • State sometimes makes it mandatory to have bodily injury and property damage liability coverage

Coverage Limits

The coverage limits that most auto insurance service providers are similar for both cars and mopeds/scooters along with motorcycle. There are variety of coverage limit options for scooters or mopeds.

  • There are various kinds of collision coverage and comprehensive coverage
  • Always better to get deductible for each in place of getting limits for payout
  • Cheap scooters and mopeds insurance buyers have various kind of limits options to try
  • Insurance providers offer $10,000 for each person of residual medical payments optional coverage
  • Coverage limits for accident $25,000 for each person, bodily injury is around $25,000 for each person and damage property liability is around $10,000 for each person

Insurance Quotes

You may be wondering – how to get cheap insurance quotes for my mopeds/scoters? You will find few insurance quotes for scooters/mopeds online. You do not need to worry as the insurance service providers cover insurance for mopeds and scooters under motorcycle section. Remember that, the process is similar to four-wheeler insurance but the only difference you need to check motorcycle/two-wheeler insurance from the options.

  • Choose other section for filing insurance for mopeds or scooters
  • Property damage liability coverage and body injury coverage is cheap
  • Remember that collision coverage and comprehension will add the cost of insurance
  • Top scooters or mopeds brands to find are Honda, Yamaha, Piaggio, Suzuki, Genuine and Vespa
  • Do check options or write related information while filing information for getting cheap mopeds or scooters insurance

Understand Mopeds & Scooters

Before you think of buying any moped or scooter or getting cheap insurance for scooters and mopeds, you need to have proper knowledge of the vehicle along with its advantages and disadvantages. You also need to have enough experience to drive mopeds and scooters.

  • Mopeds and scooters are usually powered by 50cc to 250cc engines
  • Scooters and mopeds have top speeds between 30 to 80 miles per hour
  • State motor departments defines mopeds and scooters differently
  • Mopeds and scooters have much less engine power and top speeds than motorcycle
  • Scooters and mopeds are mostly not allowed on highways

Rent Mopeds & Scooters

Most people prefer to rent mopeds and scooters. The mopeds or scooters are very useful for traveling for short distances. You can easily rent scooters and mopeds in USA or abroad but you should always be aware of the license laws for the locality.

  • Have proper license for renting scooters and mopeds
  • Try to abide by the law while renting mopeds and scooters
  • Get help from auto insurance company for only licensed holders
  • Know different state laws within US while using rented scooters and mopeds
  • Follow the requirements of the place from where you are renting mopeds and scooters

Things to Remember:

Do remember that most of the insurance companies cover mopeds and scooters under their motorcycle insurance policy. Many other coverage associated with most vehicles are also available for mopeds and scooters. The medical payments coverage, which pays for the hospital bills of a driver or passenger, is available to moped and scooter owners. So do not forget to get insured before getting a moped or scooter for yourself!

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