How to Add a Motorcycle to Your Car Insurance in New Jersey
If you’re a New Jersey resident who owns both a car and a motorcycle, you may be curious about how to efficiently manage insurance for both vehicles. While combining them under a single policy isn’t typically an option, understanding the requirements and opportunities for insuring your motorcycle can save you time and money. This article explores the essentials of adding a motorcycle to your insurance portfolio in New Jersey, including state requirements, bundling options, and how providers like Rider Insurance, powered by Plymouth Rock Assurance, can offer tailored solutions to keep you covered on the road.
Can You Add a Motorcycle to Your Car Insurance in NJ?
In most cases, you cannot simply “add” a motorcycle to your existing car insurance policy. New Jersey requires a separate motorcycle insurance policy, as motorcycles present different risks compared to cars. Car insurance providers typically don’t cover motorcycles under standard auto policies due to the distinct coverage requirements and higher risk factors.
However, many insurance companies offer multi-policy discounts when you purchase both auto and motorcycle insurance from the same provider. While the coverage itself is separate, you can often manage both policies under the same account and save money.
Can You Use Car Insurance for a Motorcycle in NJ?
No, you cannot use car insurance to cover a motorcycle in New Jersey. The state mandates that motorcycles have their own insurance policy, which covers:
- Bodily injury and property damage liability
- Optional collision and comprehensive coverage
- Optional uninsured/under insurance motorists coverage
If you try to operate your motorcycle with only your car’s insurance, you risk being uninsured and in violation of New Jersey law, which can result in penalties, fines, and even suspension of your license or registration.
Can You Combine Motorcycle and Car Insurance?
While you can’t combine the actual coverage into a single policy, many insurers allow you to bundle motorcycle and car insurance. Bundling lets you:
- Receive multi-policy discounts
- Simplify billing and payments
- Manage both policies through the same company
This is a smart choice if you’re looking to save money and streamline your insurance coverage.
How Rider Insurance Can Help You Get Motorcycle Insurance in NJ
Rider Insurance is a New Jersey-based company that specializes in motorcycle insurance. With decades of experience, they offer:
- Policies tailored specifically for motorcycles, scooters, and dirt bikes
- Affordable rates with flexible payment plans
- Optional coverages like roadside assistance and accessory coverage
- A deep understanding of NJ state requirements
Rider Insurance makes it easy for both new and seasoned motorcyclists to get insured quickly. You can get a quote online in minutes or work with a local agent.
Final Thoughts
While you can’t insure your motorcycle with your car insurance policy in New Jersey, you do have options to bundle and save. Call 833-70-RIDER to find out how Rider Insurance and Plymouth Rock can provide your motorcycle and car the coverage they deserve.
This article has been provided for informational purposes only and does not constitute as legal advice. This article is based on the most reliable information available on the date of publication. Motorcycle laws are subject to change. For legal guidance and to ensure you have the most up-to-date information, please consult qualified legal counsel or your state’s Department of Motor Vehicles.