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If your bike gets damaged in a covered event or if it gets stolen, comprehensive motorcycle insurance may help cover the cost of repairing or replacing it. Your premium for motorcycle insurance will depend on many factors. Where you live, your driving record, the type of motorcycle, and how much your bike costs to. By law, many states require that you have liability motorcycle insurance. If you have additional concerns or are seeking additional coverage in case of an. Location. Where you live may affect your motorcycle insurance rate. That's because premiums are based in part by rates of accidents, vandalism, theft, etc. For collections of 3 or more motorcycles, the value is $1, per bike. This includes motorcycles under restoration. and older, and some '97 to present day.
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