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49ccs, roughly $3k MSRP. Yeah, you're gonna want to insure that.
Scooters are like any big ticket item- they should be maintained and insured in order to maximize their life span and keep them safe. Insurance certainly isn't the sexiest part of owning a motorscooter, but it's a necessary part of the lifestyle.
The bottom line is that, insurance, within certain minimum liability limits, is required on all "motor vehicles" in Colorado. While this excludes 49cc scoots, little bikes should always be insured anyway for collision and theft: this keeps you from having to shell out for a new bike if yours is stolen, or for repairs you cause if your scoot damages someone's private property.
Most insurers will have no issue with titling scooters, even 49cc bikes. If you have a current policy for your car through a major carrier like Allstate or State Farm, you can usually tack the bike on with a separate motorcycle policy. In some cases, your homeowner's policy will cover the bike, but this is not always true. Before assuming that it will take care of your scooter, check over the exact wording of your policy with your agent.
One cool thing you can do if you have an existing auto policy (as most scooterists do) is consolidate your uninsured motorist insurance. In essence, this is a policy that covers you in case someone hits you and has no policy of their own. But by consolidating the plan, you can have one uninsured driver policy that covers both vehicles. My State Farm policy let me do this, and it saved me some real money when I spoke with my agent about it.
In America's ever-more-scooter-hungry economy, more insurance providers (Geico, Progressive, and Esurance) are working hard to chase the market of new scooter owners. But the key is to find a plan that will cover you properly, so that if your baby is taken, damaged or crashed, you'll be covered. The best advice is to work closely with your agent to be sure they understand your needs and the way you use your bike. There is nothing worse than finding out you have the wrong policy right when you need it.
Also: Check out the Denver Motorcycling Examiner for more on personal injury insurance for riders.
