MOTORCYCLE
Insurance
If you have a motorcycle or motor scooter, we offer insurance policies to ensure you meet legal requirements and to provide coverage for both you and your vehicle in case of an accident.
Factors That May Affect what you pay for Motorcycle Insurance Rates
Age — Auto insurance companies factor in your age when calculating rates. Drivers under 25 and over 65 often receive less favorable rates due to higher loss frequency statistics in these age groups, which increase the risk of financial loss from accidents.
Credit — Credit history has long been used in insurance scoring. Generally, better credit scores lead to more favorable insurance rates.
Which Type of Motorcycle— The type of vehicle, including its engine size and safety features, affects your insurance rate.
Household — Insurers assess risk at the household level. If multiple drivers in the household are under 25, it can impact the insurance rates for everyone in the home.
What Does Full Coverage Motorcycle Insurance Include?
Liability Coverage: This covers bodily injury and property damage costs if you're found legally responsible for an accident.
Collision Coverage: If your bike is damaged in a collision with another vehicle or a stationary object, collision coverage pays for repairs or replacement up to the policy limit.
Comprehensive Coverage: Often referred to as "other than collision" coverage, this protects your bike from risks like theft, vandalism, falling objects, hail, and other non-collision incidents.
Medical Payments Coverage: This provides coverage for medical and funeral expenses for you and your passengers if you're injured in an accident.
Uninsured/Underinsured Motorist Coverage: This offers protection for property damage and bodily injuries if you’re involved in an accident with a driver who has little or no insurance.
Roadside Assistance: This optional add-on helps with services like towing, gas delivery, and battery jumpstarting if your bike breaks down away from home.
Carriers
