Motorcycle Insurance in Rhode Island: What Riders Need to Know
Whether you're cruising down Ocean Drive in Newport or exploring scenic backroads in South County, riding a motorcycle in Rhode Island offers a unique sense of freedom. But with that freedom comes responsibility—including making sure you're properly insured. At The Slocum Agency, we’re here to help protect your ride, your wallet, and your peace of mind with the right motorcycle insurance coverage.
🏍️ Why You Need Motorcycle Insurance
In Rhode Island, motorcycle insurance isn’t just recommended—it’s required. The law mandates that all riders carry liability coverage to protect against bodily injury and property damage in the event of an accident. But that’s just the beginning. A basic policy may satisfy legal requirements, but it often leaves you exposed to significant financial risks.
Motorcycle insurance provides protection for:
Medical expenses for you and others
Repairs or replacement of your bike after an accident, theft, or vandalism
Liability coverage in case you cause injury or property damage
Legal costs if you’re sued
Optional add-ons like roadside assistance or coverage for custom parts and gear
🛡️ Key Coverage Options to Consider
Here's a breakdown of the most common motorcycle insurance coverages:
Liability Coverage: Covers bodily injury and property damage you cause to others. This is required in RI.
Collision Coverage: Pays for damage to your motorcycle after a crash, regardless of who’s at fault.
Comprehensive Coverage: Protects your bike against theft, fire, vandalism, and weather-related damage.
Uninsured/Underinsured Motorist Coverage: Covers your injuries or damages if you're hit by a driver without enough (or any) insurance.
Medical Payments (MedPay): Helps cover medical bills for you and your passenger.
Custom Parts & Equipment Coverage: Essential if your bike has aftermarket accessories, chrome upgrades, or custom paintwork.
💡 Tips to Save on Your Motorcycle Insurance
Just like auto insurance, there are smart ways to lower your premium while staying well-protected:
Complete a motorcycle safety course – Insurers often offer discounts for certified riders.
Bundle your policies – Combining your motorcycle, auto, and home insurance can lead to multi-policy savings.
Garage your bike – Keeping your motorcycle in a secure location reduces risk and may lower rates.
Maintain a clean driving record – Safe riders typically enjoy lower premiums.
🗺️ Why Local Riders Trust The Slocum Agency
With over 75 years serving Rhode Islanders, The Slocum Agency knows what matters most to local riders. Our independent agency works with top motorcycle insurance carriers to find the right coverage at the best value for your unique lifestyle. Whether you ride a cruiser, sport bike, touring model, or even a vintage motorcycle, we’ll make sure your policy fits like a glove.
🧾 Get a Motorcycle Insurance Quote Today
Ready to hit the road with confidence? Contact The Slocum Agency for a personalized motorcycle insurance quote. We’ll review your options, explain your coverage in simple terms, and help you make the right choice for your ride.
📞 Call us at 401-738-3366
📧 Email: customerservice@slocumri.com
🌐 Or start your quote online at www.slocumins.com
