Motorcycle Insurance

The three essentials for feeling truly free on a ride:

A cool helmet (if the law requires, and you wear one) A good jacket and foot protection A bulletproof motorcycle insurance policy for you and your passenger. Whether you’ve got the ride of your dreams, or you’re saving up for your perfect bike, there’s only one way to enhance that feeling of exhilaration; of leaving all of your worries behind you; of that sense of freedom you get from contact with the road… …Riding requires good, affordable protection.  

What Is Motorcycle Insurance?

Motorcycle insurance offers you financial protection in case you encounter an accident, loss, theft, or damage. This kind of insurance policy includes liability coverage if you are responsible for the other party’s injuries or property damage. These insurance policies will provide coverage for your motorcycles, choppers, fast street bikes or “crotch rockets”, mopeds and also Segways. You may have several questions in mind if you have just purchased a motorcycle or have owned one for a while or if you are considering changing insurance providers. You may also wonder what motorcycle insurance will cover and what financial risks you will encounter in case you meet an accident.

Motorcycle Insurance: Do You Really Need it?

Owning a motorcycle can be one of the most exhilarating things in life, but according to statistics from the National Safety Council, a motorcycle accident that causes serious bodily injury happens every 6 minutes in the United States. Motorcycle theft is also on the rise—and only 20-25% of motorcycles that are stolen are ever found. Aside from the requirements of the law, 80% of all motorcycle crashes result in a fatality, which is a startling reminder of why complete protection is essential if you are a motorcycle owner. If you think motorcycle insurance is a “wasted” expense, think again: Insurance is more about managing your risks above any other consideration. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses for yourself or someone else you’re responsible for. We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost. We’ve been doing this for a long time and know lots of ways to save and even more ways to protect you and avoid any dangerous insurance gaps.

What are your coverage options?

There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage, and better peace of mind, including:
    • Additional liability coverage is something all riders should carefully consider. By purchasing both liability insurance for others and uninsured motorist coverage at higher limits, you will greatly reduce the risk of financial loss to yourself.
This coverage will cover bodily injury and property damage that you may cause to the other party involved in an accident. However, it won’t cover your own injury or damage to your motorcycle. Guest Passenger Liability which offers protection in case your passenger is injured on your motorcycle may also be available to you. This depends on state laws and the insurance company providing your policy.
    • Collision covers you in the case you’re in an accident that is your fault, this insurance pays to repair your bike, less the deductible amount.
    • Comprehensive is a good option to consider as it pays for fire, vandalism, theft, hail damage, storms, and other non-traffic accident claims.
Just like collision coverage, your insurance provider will pay for damages minus your deductible and will only cover the book value of your motorcycle.
  • Roadside assistance – is one of those things you never think you’ll need, but will be thankful for if you ever break down far from home. Roadside assistance pays for jumps, gas, or towing your bike home or to the nearest facility.
  • Bike accessories cover replacement or repairs on any expensive customizations and personalizations you’ve added to your bike.
  • Most comprehensive and collision insurance policies will only cover the factory standard parts on your motorcycle and they will limit the insurance coverage. Consult your insurance company to understand the limits of your coverage in case you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers, or sidecars.
  • Total loss insurance pays to replace your bike—not just the fair market value, which is usually lower than what you actually paid for the bike—but an entirely new ride.
  • Rental vehicle coverage is something you may wish to consider if you’re planning a long road trip, or you often ride far from home—you can transport a break down yourself, rather than pay excessive tow charges.
  • Trip interruption coverage helps pay for lodging, food, and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home.
  • On-road insurance for off-road vehicles covers your dirt bike or ATV on the road—we consider this essential, and very affordable.
  • Uninsured/underinsured motorist (UM/UIM) coverage pays for any damages to you and/or your property caused by the other party who either doesn’t have insurance or doesn’t have enough insurance. This will usually pay for medical expenses, lost wages, and property damage in some cases.

Tips for the cost-conscious rider

Just like any kind of auto insurance, maintaining a good driving record with no violations will help keep your premium expenses low. Furthermore, some insurance companies offer driver discounts and other instances to save money on your motorcycle insurance policy. Here are some samples considering offerings may differ from each state and insurance company:
  • One example is training course discounts are offered to graduates of classes like the Motorcycle Safety Foundation rider course. This is specifically useful for drivers under the age of 25. These riders are usually considered a higher risk. This is also a good idea for drivers who already encountered accidents.
  • One more example is when multi-bike discounts can deliver savings to drivers insuring more than one motorcycle. If these are available, availing of your insurance policy from your auto or home insurance company may qualify you for a multi-policy discount.
  • Other discounts such as organization member discounts might be available if you belong to a motorcycle club or other organizations.
  • Mature rider discounts can help experienced motorcycle drivers save money.
  • “Lay-up” policy savings are available mainly in northern U.S. states. With this kind of insurance policy, all coverage excluding comprehensive is suspended during the winter season when your motorcycle is not being used, saving you some money.

Factors that affect your motorcycle insurance expenses:

  • Where you live, your age, as well as your driving record
  • Type or style of bike you ride. For example, sportbike, cruiser or custom motorcycle
  • Age of the motorcycle
  • Number of miles you ride a year
  • Where you store your bike

When you need the best motorcycle insurance

You can trust our team when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A+ rated insurance carriers we can shop with, to make sure you get the very best Motorbike Insurance and the lowest premiums. We also offer a number of insurance discounts, such as:
  • Reduced fees for Harley Davidson bikes
  • LoJack discount
  • Safety course discount
  • Motorbike endorsement discount
  • Discount for homeowner insurance or other vehicles

Why We’re Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for… While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. There’s no such thing as a one-size-fits-all insurance policy when it comes to your business. We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive. Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

(720) 221-8168

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Address: 4380 South Syracuse St. Suite 310 Denver, CO 80237
Main Line: (720) 221-8168
Toll-Free: (877) 658-2472
Fax: (720) 221-6787
New Customer Lines: (855) 973-1202 (855) 712-6584

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