Motorcycle Insurance
Broad Eligibility
There are many different types of motorcycles on the road today; strong American brands, high-class imports, performance sport bikes, trikes, custom cruisers and restored classics.
What to Look For in a Motorcycle Insurance Policy
If you think your motorcycle is adequately covered when you add it through an endorsement on your automobile policy, chances are you're mistaken...a lesson that you don't want to learn first-hand come claim time. You need an insurance policy that offers the coverages that are important to your specific bike and lifestyle.
Important Coverages
For real peace of mind as you travel the highways and byways, you need a policy that provides a wide range of coverages.
These should include:
- Collision Coverage
- Other Than Collision Coverage
- Liability Coverage
- Medical Payments Coverage
- Safety Apparel Coverage
- Optional Equipment Coverage
Optional Coverages
For extra coverage on the open road, and because not everyone's needs are the same, here are some things to look for when choosing a specialized insurance policy for your motorcycle:
- Increased limits on Liability
- Uninsured/Underinsured Motorist Coverage
- Increased limits on Optional Equipment Coverage
- Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident
- Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer
- Optional Towing and Roadside Assistance in case your bikes breaks down and can't be ridden when you're away from home because you run out of gas, get a flat, or have other mechanical issues
- Flexible payment plans so you can choose the plan that best fits your budget
- Deductible and coverage limit options
- Premium discounts