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Motorcycle Insurance Information
Insurance for you, your passengers & your motorcycle!
You’ll enjoy being out on the open road even more when you’re not worried about your safety, passengers’ safety, or investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it often costs money to fix or replace it.
- Medical costs can be prohibitive if you or a passenger are injured in an accident.
- If your motorcycle causes damage or injury to others, you may be sued for much more than you're worth.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things to consider and questions for discussion
Your Independent Agent advocates for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I pay if my motorcycle is in an accident, damaged, or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
As an independent agency, we’re committed to helping you compare multiple policy options to find the best choice. Our agents will guide you through the process, explaining the differences between policies and helping you understand which one best meets your needs. Call our agent at (800) 829-5270 or click here to get started.
Tips for the cost-conscious rider
Many factors can affect your insurance costs, such as your age, driving record, where you live, the type of motorcycle you own, and whether you graduated from a rider-training course.
- Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
- Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts if you’re a member of a motorcycle association, and mature rider discounts for experienced riders are just a few possibilities. Discounts can range from 10 to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
- Remember that the type, style (such as a sports bike vs. a cruiser), and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike, may also affect how much you pay for your premium.
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Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come.