Motorcycle Insurance Information
Why do you need motorcycle insurance?
Riding comes with unique risks that standard auto insurance doesn’t cover. Motorcycle insurance is specifically designed to protect you, your bike, and your finances on the road.
- Financial protection from accidents and theft
- Medical expense coverage for you and your passengers
- Liability protection if you cause damage to others
- Asset protection for your bike itself
Things to consider and questions to ask your agent
- What deductible can I realistically afford if I need to file a claim?
- What discounts are available — safety courses, multi-policy, organizational memberships?
- Are my medical and liability limits high enough for my riding habits?
- Does this carrier specialize in motorcycle coverage and handle claims well?
- How do I file a claim if I need to?
Ways to save on motorcycle insurance
There are several proven ways to lower your motorcycle premium without sacrificing coverage:
- Safety course discount — Completing an approved rider safety course can save you 10–15% on your premium
- Clean riding record — Maintaining a ticket- and accident-free record keeps your rates low over time
- Lay-up policy — If you only ride seasonally, a lay-up policy suspends certain coverages during storage months and reduces your annual cost
- Multi-policy bundle — Combining your motorcycle policy with auto or home often qualifies you for a significant discount
- Storage and security — Garaged bikes and those with anti-theft devices typically qualify for lower rates
- Bike type — Sport bikes generally cost more to insure than cruisers or touring bikes; ask us how your specific model affects your rate
