If you're a biker, you've probably noticed there are more motorcycle riders on the road in today. But with some models now costing over $20,000, thieves have also taken notice.

Motorcycles are also becoming more and more tempting to thieves, as bikes are being stolen at an alarming rate and either sold whole or stripped down for parts. This gives you all the reason you need to purchase a motorcycle insurance policy with comprehensive coverage.

Stolen Bikes are Rarely Recovered

Most bikes that are stolen are broken down and used to build new bikes, making them very difficult to recover. Since most motorcycle parts are not stamped like car and truck parts, it makes it much easier for them to be recycled. According to the National Insurance Crime Bureau, 60-65% of cars and trucks are recovered after a theft, but only 25-30% of motorcycles are recovered.

Theft Protection Is Provided With Comprehensive Motorcycle Insurance

When purchasing motorcycle insurance, be sure you get comprehensive coverage. Comprehensive coverage pays for damages caused by other events, other than a collision, such as vandalism, theft, or fire. However, most comprehensive insurance policies will only cover the blue book value of the motorcycle. Keep in mind only factory standard parts are covered through most comprehensive motorcycle insurance policies. If you have a custom bike or have added any optional accessories such as chrome parts, trailers or sidecars or a custom paint job, you should look into adding a rider to cover additional or optional equipment.

Prevent Motorcycle Theft From The Start

Take the following steps to help deter motorcycle thieves. Additionally, these steps can also help reduce your motorcycle insurance premium.

1. Store your motorcycle in a locked garage.

2. If in the garage or on the road lock your bike to a stationary object.

3. Installing an alarm system or anti-theft like device will greatly reduce your bikes attraction to thieves.

If your bike is stolen, chances are it won't be recovered. Get a comprehensive motorcycle insurance policy and keep your bike covered.