Motorcycle Insurance North Carolina

imape depicts a motorcycle overlooking a sea backround

Motorcyle Insurance In Hendersonville, North Carolina

Insurance rating factors in Hendersonville

Whether you have an auto or motorcycle policy, there are factors that will affect your insurance rates. Depending on what those factors are, they each have a different impact that they can have on your rates and for different amounts of time. Some can stay impacting you for 5 plus years.

FactorRate Impact
AgeHigh
State RequirementsMedium
Insurance HistoryMedium
Major Violations (DUI,DWI,etc)High
Credit historyHigh
Claims HistoryMedium
GenderMedium
Marital StatusMedium

Motorcycle Coverages Needed In North Carolina

  • If you are planning on hitting the roads in North Carolina with your motorcycle, lets go over what is required first!
  • You must first have acquired a motorcycle learner permit OR a motorcycle endorsement on your driver’s license.
  • Now if you are a first-time motorcycle driver or you have not driven one in a long time, you will be required to take a Basic Rider Course. It is a 20-22-hour course, and you must be at least 16 years old. This course you will needed to be able to support a 300-pound motorcycle! The bikes are provided, but make sure to bring your own helmet, that is DOT approved!
    A list of items that are required for the class:
  • Eye Protection
  • Long sleeved shirt or jacket
  • Long pants (denim is preferred)
  • Over the ankle footwear
  • Full fingered gloves (leather is preferred)
    After you have passed this class, you will be given a skills waiver card that you will take to the DMV and you will need to take the written exam only to be given a motorcycle endorsement.

Where To Ride In North Carolina

  • Now that you have taken the steps to be able to legally ride on the road, lets look at some great routes for you to take!
  • NC is known to challenge your riding skills. It was created just for motorcycling. Its scenery is like no other, you will get to have the Smokey Mountains in your rearview!
  • We have broken down 5 of the most popular routes! Tail of the Dragon (Deal’s Gap)- This has 318 curves and 11 miles long! This is the most challenging route and takes great skill and concentration.
  • Cherohala Skyway- This route is going to be more relaxing and a more scenic route for you. The elevation sits at over 5400 feet high!
  • The Hellbender 28- This will most certainly be an exhilarating ride! Its going to switch up so much full of hills, curves, corners, sweepers, and elevation changes! The scenery will be those right off a post card.
  • The Copperhead Loop- This route too has a great mixture of hill, curves, switchbacks, amazing views, and the most peaceful mountain streams. This one is not for the rookies, it can be challenging, even for the most seasoned rider!
  • Shiner’s Run- locals call it “the Rattler” it is a 33 mile stretch into NC. This is going to take you into great landscapes of scenic farms and old churches. There are plenty of stops you can look out into to see the mountain views and the valleys. A must stop is the Trust General store at the end of the route!
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