Is Motorcycle Insurance Different Than Car Insurance? 
The two types of insurance are set up similarly . In that both can provide Physical Damage coverage for your vehicle including Collision and Comprehensive as well as Liability protection . Most bike policies are set up on an annual basis , whereas car policies may be either annual or semi annual issue . Generally speaking Motorcycle policies are somewhat less expensive than personal auto policies . There may also be some variances in additional or built in coverage , for example , a bike policy may include coverage for your gear . 