Insuring your motorcycle is a must. Without a protective metal cage, motorcycle riders are completely exposed to external forces. Therefore, they are at a much higher risk of accident and injury than automobile drivers. Other drivers on the road are also more likely to be unaware of a motorcycle's presence near them due to its size. It is important for anyone who wants to own a motorcycle to have an insurance policy. There are many different types of insurance policies out there and as a motorcyclist you should do your homework when finding the right one for you. There are many motorcycle insurance tools and resources out there that can help in the process. One item that you should consider is the value working with a personal insurance agent can bring to your policy.