Motorcycle Insurance

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Motorcycle Insurance

Your guide to finding insurance coverage for that unique and special bike.

Choosing an insurance policy is a lot like choosing a motorcycle. It needs to fit all of your needs and lifestyle choices; it should also suit your budget. Most states mandate a minimum level of liability protection; you can also get additional coverage. Ask your independent insurance agent about your state’s motorcycle insurance laws.

To choose the best coverage for you, you must understand all of your options:

Liability Coverage – Your liability insurance will cover any property damage or bodily injury you cause to others in accidents. However, this protection doesn’t cover your motorcycle or your medical expenses. Ask your agent if your policy offers Guest Passenger Liability, which insures passengers injured on your motorcycle. This coverage will depend on your state’s laws and the particular insurer you choose.

Collision Coverage – Collision coverage compensates you if your motorcycle is damaged in a crash. Your insurer will pay for damages (after you pay your deductible) if you crash into a vehicle or a stationary object. Collision insurance typically covers your motorcycle’s “blue book” value (it’s resale value before the accident.

Comprehensive Coverage – Your comprehensive coverage will compensate you for damages from events other than collisions like thefts, vandalism, and fires. In a similar manner to collision insurance, your insurer pays for any damages and losses (after you pay your deductible) at your motorcycle’s blue book value.

Most collision and comprehensive policies only cover your factory standard motorcycle parts. If you choose optional accessories like custom paint jobs, chrome parts, sidecars, or trailers, you should get additional coverage for these features.

Underinsured/Uninsured Motorist Protection ­– Underinsured/Uninsured Motorist protection pays for any damages to you and your belongings that are caused by drivers without adequate insurance (underinsured) or without insurance altogether (uninsured). Underinsured/Uninsured Motorist insurance typically covers lost wages, medical treatments, and other losses and damages. This coverage may or may not include property damage; ask your independent insurance agent for details. If your policy doesn’t include property damage, you will need to purchase it separately.

Savings Tips for Cost-Conscious Riders

Insurers look at a variety of factors when determining how much your insurance will cost. They consider your age, driving record, location, and kind of motorcycle.

  • Insurers often provide discounts to those who graduate from motorcycle training courses like the Motorcycle Safety Foundation (MSF) course. This training is especially useful for motorcyclists younger than 25 (considered high-risk by insurers). These classes also help riders who’ve been involved in accidents.

  • A solid driving record and no violations can help bring down your premiums.

  • Riders in northern states often save by purchasing “lay-up” policies. These policies are suspended in the winter (except comprehensive coverage) when riders don’t use their bikes.

  • Ask your agent which discounts your insurer provides, such as:

    • Multi-bike discounts for riders with multiple bikes

    • Organizational discounts for riders in motorcycle clubs and other associations

    • Mature rider programs that reward experienced motorcyclists

(The qualifications for and availability of these discounts will vary, depending on your insurer and your state.)

  • The style (e.g. cruiser, custom, sport bike), age, and type of motorcycle you own, how many miles you will ride each year, and storage location of your motorcycle can also help determine your insurance costs.

Motorcycle Insurance

Motorcycle Insurance

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States.