Motorcycle Insurance

What is motorcycle insurance?

Motorcycle insurance provides financial protection in the event of an accident, loss, theft or damage. These policies provide coverage for motorcycles, choppers, fast street bikes, mopeds, and even Segways.

A standard motorcycle insurance policy will cover some of the costs associated with damage to your bike. It will also provide compensation if you're in an accident and harm another person or damage their property. Motorcycle liability insurance covers the cost of liability claims and legal fees, up to the limits of your policy.

Of course, each state has mandatory minimums, but you have some options to consider when you set up your motorcycle insurance policy. 

  • Additional liability coverage is something all riders should carefully consider. By purchasing both liability insurance for others and uninsured motorist coverage at higher limits, you will greatly reduce the risk of financial loss in the event of an accident.
  • Collision covers you if you’re in an at-fault accident. Collision coverage will pay to repair your bike, less the deductible amount.
  • Comprehensive is a good option to consider as it pays for fire, vandalism, theft, hail damage, storms, and other non-traffic accident claims.
  • Roadside assistance pays for jumps, gas, or towing your bike home or to the nearest repair shop.
  • Bike accessories covers replacement or repairs on any expensive customization you’ve added to your motorcycle.
  • Total loss insurance pays to replace your bike—not just the fair market value, but an entirely new vehicle.
  • Rental vehicle coverage is something you may wish to consider if you’re planning a long road trip, or if you often ride far from home. If your bike breaks down, you can rent a vehicle to tow it home yourself, rather than pay excessive tow charges.
  • Trip interruption coverage helps pay for lodging, food and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home.
  • On-road insurance for off-road vehicles covers your dirt bike or ATV on the road.

Why do you need motorcycle insurance?

Motorcycle insurance is the best way to protect yourself and others and to protect your bike. Unfortunately, motorcycles are targeted by thieves because they're much easier to steal than automobiles or passenger trucks. Also, once stolen, they are easy to strip down, rebuild, and sell. That might be why only 20-25% of stolen motorcycles are recovered.

Moreover, motorcycles are much more dangerous to operate than passenger vehicles, for several reasons:

  • They’re small and hard for other motorists to see.
  • They’re very fast and maneuverable, which makes them even harder to see.
  • A moment of inattention can result in an accident.
  • Operators have no protective devices, such as seat belts or air bags.

For all of these reasons, it is vital that you get yourself covered if you plan to operate a motorcycle on the highway. According to the National Safety Council, a motorcycle accident that causes serious bodily injury happens every 6 minutes in the United States.

Let us know if you plan to race your bike, either competitively or for fun. We will make sure that you're covered, whether you're on the road or on the track.

How can you save on motorcycle insurance?

Because motorcycles carry more risk than other vehicles, it can sometimes be costly to insure them. If you want to save on your motorcycle insurance, ask us to shop insurance companies for you. We work with a variety of carriers, which means we can shop for the best rate for you - saving you time and money.

Most insurance carriers offer a number of discounts, such as:

  • Reduced fees for Harley Davidson bikes
  • LoJack discount
  • Safety course discount
  • Motorbike endorsement discount
  • Discount for homeowner insurance or other vehicles

We will always review your policy to ensure that you are getting all of the applicable discounts. 

We're here to help

We know that insurance can seem overwhelming, especially when you're unsure which coverages you truly need. That's why we're here. It's our job to help you find the best motorcycle insurance policy for you and your bikes.

If you're interested in a quote or if you ever have any questions about your motorcycle insurance policy, please do not hesitate to contact us. We are always happy to help.