Motorcycle Insurance Information
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers, or your investment. If you're in an accident or your motorcycle is stolen, you'll either need to fix or replace it yourself or suffer that loss. With the right policy, you're covered and back on the road in no time. Insurance covers medical costs if you or a passenger is injured in an accident. If your motorcycle is responsible for damage or injury to others and you're sued, the right policy will protect you. You can even add coverage for any expensive personal gear you have!
What determines how much insurance costs?
Many factors can play a role in determining what your insurance costs will be, such as your age, your driving record, and where you live. 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.
Regardless of these factors, maintaining a good driving record with no violations will help reduce your premiums.
What discounts are available?
Availability and qualifications for discounts vary from company to company and state to state, but here are some that are likely available:
Graduate from an approved motorcycle safety course and you could save 10% on your policy.
If you're a member of Harley Owners Group or United Services Automobile Association, you may qualify for a discount on your policy.
There are also discounts for being a homeowner, being an experienced driver (65 or older), and discounts for insuring multiple bikes.
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.
Things to consider and questions to ask your agent
A good agent will find you the right coverage that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to 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 are available?
- How much medical and liability coverage should I have?
- What's the process for filing and settling a claim?
Motorcycle Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate, and affordable rates. We provide quotes for FREE and there are no obligations! We promise not to add you to a mailing list.
Motorcycle Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.