First, you should understand that the brand of your motorcycle is typically a deciding factor on your insurance costs. Brands that tend to be more expensive also tend to have higher insurance rates. Of course, the expense of the motorcycle is exactly why you should want to get insurance to protect your investment.
If you were to be involved in an accident or someone decides to steal your motorcycle, insurance would help you to cover your losses. Just as with automobile insurance, you should have your motorcycle insured to make sure that you never have to shell out a lot of money out of pocket, in the event that something unforeseen happens.