6 Things You Need to Know About Scooter Insurance

Posted on: 30 November 2021

Whether you buy a scooter for fun or to save money during your commute to and from work, there are a few things you need to know about using and insuring your scooter before you start driving it all over town. 

1. Motorcycle, scooter, or moped

Knowing what type of vehicle you have is helpful. While many people use the words motorcycle, scooter, and even moped almost interchangeably, they are each in a different class of motor vehicles.  A moped has an engine under 50cc and typically does not exceed speeds of 40mph. A scooter, on the other hand, has an engine up to 250cc and can travel up to 70mph. Finally, a motorcycle has an engine of 1000cc or more and can often exceed 160mph on the highway. 

2. License

Each state has different regulations on whether you need a standard driver's license or a motorcycle permit to drive a scooter. In Minnesota, for example, you need a motorcycle permit to drive anything over 50cc on a public road. 

3. Scooter Insurance Required

Like licensure requirements, insurance requirements vary from state to state. Most require that you carry scooter or moped insurance for liability, which covers injury or property damage to others. If you have a lien on the scooter, your lien holder will require you to also have collision, comprehensive, and theft coverage to protect the scooter in case of damage until the loan is paid off, regardless of what is required by the laws in your state. 

4. Discounts

You can ask for a discount on your scooter insurance if you have an additional policy with your insurance company. This includes insurance on another automobile, a homeowner's insurance policy, or even a life insurance policy. Additionally, some insurance companies may offer discounts for drivers who have completed additional safety courses or motorcycle endorsement courses.

5. Helmets

While helmets may not be required in your state, the Motorcycle Safety Foundation states that is the most important piece of equipment you can have while riding a scooter. In fact, your insurance company may even insist that you wear one if you wish to purchase medical coverage or personal injury protection through your policy.

6. Roadside assistance

Some insurance companies offer roadside assistance as an added benefit to their scooter insurance policy. This can be a deciding factor when deciding which insurance company to do business with. 

Scooter insurance is an important part of owning a scooter. Be sure to get the proper insurance coverage that you need before heading out on the open road. Learn more by contacting companies like Insure My Vespa.


Little-known Insurance Tips

While I have had auto insurance ever since I bought my first car at 16 years old and home insurance ever since I bought my first home several years ago, I have to admit that over the years I knew very little about insurance. I tended to just look at the price of the coverage and sign the paperwork without really looking into the pros and cons of each policy. After my friend was in a car accident recently (thankfully, she is okay!) and she said she had to pay for some of the damage to the other vehicle out-of-pocket even though she had a minimum state coverage auto insurance policy, I decided to put a lot of careful research into insurance policies and what they really offer. I want to help others by sharing the information I have learned on a blog. I hope I can help you!