Motorcycle Insurance Quote Forms

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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. Here are a few things to consider:

  • If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for 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 to ask your agent
Your Independent Agent is an advocate 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 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 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?

Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of 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 the age of 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. Multibike 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 anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind 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.

F.A.Q. About Motorcycle Insurance

1. Why is insurance for motorcycles necessary?

Motor motorcycle insurance offers financial protection for theft, accidents, or bike damage. Most jurisdictions need it by law; if you are at fault, it helps pay for other people's medical bills and injuries.

2. What is covered by motorcycle insurance?

In addition to coverage for your motorcycle, such as collision and medical expenses, motorcycle insurance can also include liability coverage, which covers losses and injuries you cause to other people.

3. Are there any motorbike insurance discounts available?

A lot of insurance companies give savings for things like anti-theft equipment, multiple coverage (bundling with auto insurance), safe riding courses, and more. Find out what discounts are available from your motorcycle insurance.

4. After an accident, may I pick my repair shop?

Sure, a lot of the time. Verify the specifics of your coverage, as some may have preferred repair businesses. On the other hand, it is usually your choice as to where your motorcycle is fixed.

5. In the event of an accident, what should I do?

Make sure everyone is safe before contacting emergency services. Report the occurrence to your insurance carrier as quickly as possible, take pictures, and exchange information with other people involved.

6. What are some ways to get my motorcycle insurance rates down?

A spotless driving record, safety classes, bundled policies, anti-theft devices, and asking your insurance company about possible reductions can all help you save money on premiums.