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Motorcycle Insurance


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.

Motorcycle Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


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.

*****Important FEMA Information********

 

Homeowners.... You must go through your insurance company first.....FEMA comes in behind your insurance for further possible assistance...

You must register 1-800-621-3362 If you lost income because you can't go to work... Call FEMA 1-800-621-3362 and register for disaster unemployment If your vehicle flooded out in the storm....

You'll need to have liability coverage on your vehicle at the time of the disaster, your title and registration for FEMA (1800-621-3362) to pay.

If you have full coverage you must file with your insurance company first.

If you're under mandatory evacuation... Call FEMA and register... You will get up to 2 months of rental assistance at the fair market value of your area.

If you have bills you are behind in or if you have some coming due you can call them EVERY COMPANY is pushing back due dates & some are even credited full months of service if you're in Houston or surrounding areas.

Call your light companies, phone companies, cable companies, etc and ask them for extensions to give yourself time to come back from this disaster!!



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