Motor mopeds and mopeds are an increasingly popular form of transportation in the US. A lot people choose to ride mopeds because public transportation can be inconvenient and driving a car can be expensive. With fuel efficiency ratings typically between 60 and 80 mpg, mopedss offer a good way to save money on gas. Many moped fans say that riding a moped easier and more comfortable than riding a motorcycle, while still being enjoyable to ride and small enough to park almost anywhere.
Whatever your reasons for choosing to ride a moped, it is important to protect yourself and your investment with good insurance for moped coverage. Fortunately, just like most mopeds, moped insurance is affordable and relatively simple. This article will cover some moped insurance basics to get you on your way to finding the cheap moped insurance policy.
What is a moped ? How much is insurance for a moped ?
The word “moped” can mean different things to different people. This article is intended to provide useful information on the topic of insurance for motor scooters, bicycles. If you are looking for insurance for a kid’s Razor moped or a Rascal mobility moped, this probably won’t be the most useful article for you.
Wikipedia defines “mopeds are driven by both an engine and by bicycle pedals, but in common usage and in many jurisdictions the term moped is used for any moped sized motorcycle even if it does not have pedals”. Under that definition, a moped is simply a type of motorcycle with a certain design features, but not a distinct category of vehicle. However, many people distinguish mopeds as a separate type of vehicle because they are slower, less powerful, and easier for beginners to ride than motorcycles. The line can be blurred because sometimes what appears to a normal get around town moped is actually capable of traveling at highway speeds with an engine more powerful than some motorcycles. Regardless of your moped’s appearance, what really matters is how your state views your moped.
How do states regulate moped riders ?
If you own or are thinking of buying a moped, you need to find out how your state treats mopeds in terms of drivers licenses, registrations, inspections, and cheap moped insurance.
Most jurisdictions do not differentiate between mopeds and motorcycles. For all legal purposes in the US, the National highway traffic safety administration (Nhtsa) recommends using the term motorcycle for all of these vehicles. However, while Nhtsa excludes the term motor moped from legal definition, it proceeds, in the same document, to give detailed instructions on how to import a small moped.
Your state may consider all mopeds to be legally the same as a scooter, but sometimes the situation is not that cut and dry. Depending on the state, the same make and model moped might be treated as a moped, a motor moped, or a motorcycle.
Texas provides a good example of a state’s nuanced regulation of mopeds. The Texas department of public safety says that a “scooter is not a legal vehicle classification so it will need to be registered as either a moped or motorcycle and you will be required to have a class M license”. So if you ride a Vespa in Texas, you need to find out whether the state would say you are riding a moped or a motorcycle. Texas defines mopeds using this three part test :
– cannot attain a speed more than 30 miles per hour
– has a piston displacement of 50 cc (cubic centimeters) or less
– does not require the operator to shift gears.
If your moped does not meet all three of the above criteria, it will be treated as a motorcycle under Texas law. Importantly, even though Texas might say your moped is a scooter, Texas still requires moped riders to have proof of insurance, registration and inspections among other things.
Many other states have similar tests to categorize moped like vehicles based on engine size, top speed, and type of transmission. The best way to find out your state’s rules for a particular moped model is to contact the relevant state agency or visit your local Dmv office. It doesn’t matter what your state calls your moped (“moped” or “motorcycle”) : you need to get some form of insurance if you are riding a moped on public roads.
How much is moped insurance ? What kind of insurance coverage should I buy for my moped ?
It is always a good idea to buy adequate moped insurance quote to protect yourself from the financial risks that come with being a moped rider. Many of the household names in insurance offer very affordable moped insurance quotes.
Finding the right moped coverage
When you are shopping for moped insurance, you need to consider a number of factors. As a baseline, you need to know the amount and type of insurance are you legally required to carry as a moped rider. Next, you should figure out how much you are willing and able to pay to insure against risks beyond the bare minimum. moped insurance is typically much cheaper than car insurance and, given the risks associated with mopeds, it is advisable to purchase additional coverage such as uninsured / underinsured motorist coverage.
As with most types of insurance, the pricing of moped insurance will involve a balance between deductibles and premiums. If you want a lower annual premium, you will have to pay a higher out of pocket deductible in the event of a claim. If you want a lower deductible, then the premium will be higher.
Make sure you are comparing apples to apples. Verify that the policies you are comparing include the same types of coverage and limits. Also check customer satisfaction reviews to find an insurer that is helpful and easy to work with in the event of a claim. Ask potential insurers about available discounts. Some moped insurers will offer discounts if you take a driver safety test, have a good driving record, or if you have multiple policies with the same company.
Mopeds are fun, cost effective, and convenient for getting around town. With the right insurance, you can enjoy all the benefits of your moped while knowing that you are financially protected against the risks the come with these benefits.