VOOM's Insurance Blog

The Ride and Drive

The latest industry news, interviews, technologies, and resources.

By • Sep 17, 2026

What Happens to Your Motorcycle Insurance When You Total a Financed Bike

When a financed motorcycle is totaled, your insurer pays market value, not your loan balance. Here is how gap coverage works, when you need it, and whether pay-per-mile insurance satisfies lender requirements.

By Team VOOM • Aug 27, 2026

What Happens to Your Motorcycle Insurance When You Move to a New State

Moving to a new state affects your motorcycle insurance rate, coverage requirements, and registration deadline. Here is what riders need to know before and after the move.

By Team VOOM • Aug 20, 2026

Motorcycle Insurance for a Financed Bike: What Lenders Require

If you finance a motorcycle, the lender almost always requires comprehensive and collision on top of liability, and they want to be listed as lienholder. Liability-only will not satisfy a typical loan.

Motorcycle

By Team VOOM • Aug 13, 2026

Motorcycle Insurance for Summer-Only Riders: Why You're Paying for Months You Don't Ride

Summer-only riders pay flat annual premiums for bikes that sit half the year. Here is why traditional motorcycle insurance doesn't fit seasonal riders and how pay per mile coverage actually matches how you ride.

By Team VOOM • Aug 06, 2026

Motorcycle Insurance for Collector and Garage Bikes: What Owners Need to Know

Collector and garage bikes sit most of the year but still carry full annual premiums. Here is why flat-rate coverage doesn't work for low-mileage owners and how pay per mile motorcycle insurance changes the cost.

Motorcycle

By Team VOOM • Jul 23, 2026

Motorcycle Insurance for New Riders: What to Expect and How to Pay Less

First-time motorcycle riders face higher insurance rates than most expect. Here is what drives the cost in year one, what coverage you actually need, and how to pay less based on how much you actually ride.

By Team VOOM • Jul 16, 2026

How Pay Per Mile Motorcycle Insurance Tracks Your Miles

Curious how pay per mile motorcycle insurance actually knows how far you've ridden? Here is a clear breakdown of how mileage tracking works, what gets counted, and why it matters for low-mileage riders.

By Team VOOM • Jul 22, 2026

VOOM Launches E-Bike Insurance Compliant with New Jersey’s New Law

VOOM is now offering dedicated e-bike insurance for New Jersey riders, fully compliant with the state's new mandatory liability requirement ahead of the July 19, 2026 deadline.

E-Bike

By Team VOOM • Jul 10, 2026

National Motorcycle Day: What Every Rider Should Know Before Getting on the Road

July 10 is National Motorcycle Day. Before you ride, here is what every rider should know about getting coverage that actually fits how and how much they ride.

By Team VOOM • Jul 02, 2026

Motorcycle Insurance for Multiple Bike Owners: How Pay Per Mile Works When You Own More Than One

Owning more than one motorcycle means each bike gets ridden differently. Here is why flat-rate insurance doesn't fit multi-bike owners and how pay per mile coverage adjusts to what each bike actually gets used for.

By Team VOOM • Jun 18, 2026

How Sport Bike Insurance Works (And Why Pay Per Mile Changes the Math)

Sport bike insurance is expensive by default. Here is why rates run high for sportbike riders, and how pay per mile motorcycle insurance changes the cost for weekend and low-mileage riders.

By Team VOOM • Jun 11, 2026

How to Lower Your Motorcycle Insurance Rate

Motorcycle insurance rates vary based on your bike, mileage, and riding history. Here is what actually lowers your premium, and why pay per mile coverage works better for riders who don't clock many miles.

By Team VOOM • Jun 04, 2026

Riding More This Summer? Here Is How Motorcycle Insurance Should Work for You

Summer riding season means more miles and more questions about your motorcycle insurance. Here is what every rider should know before hitting the road.