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woman riding motorcycle in Indianapolis, IN and Chicago, IL

Need motorcycle insurance?

See below to better understand what your coverages mean and what all the different factors are that help determine your rate.

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Understand Your Coverages
  • Bodily injury liability - pays, up to the limits of the policy, for injuries to other people you cause with your motorcycle

  • Property damage liability - pays, up to the limits of the policy, for damage to other people’s property caused by your motorcycle

  • Medical payments - pays medical bills incurred by you, your passengers or another party, up to the limits of the policy, if injured while riding on, getting on or off of your motorcycle

  • Uninsured and underinsured motorists - allows you to collect damages from your own insurance company if the other party injures you and is uninsured or underinsured

  • Uninsured motorist property damage - allows you to collect damages from your own insurance company if the other party damages your motorcycle and is uninsured

  • Collision - it will pay for damage to your motorcycle caused by collision or upset, subject to a deductible

  • Comprehensive / other than collision - pays for damages to your motorcycle caused by perils other than collision or upset..this includes such losses as theft, fire, a windstorm and glass breakage, a deductible may apply

  • Optional coverages

    • Roadside assistance​ - pays for towing charges to the nearest repair shop

Rating Variables
  • Age - years of driving experience

  • Marital status - single, married, divorced, widowed

  • Driving record - tickets, accidents, violations, claims

  • Insurance history - limits and tenure with prior carrier

  • Credit - ability to make payments

  • Vehicle type - year, make, model, VIN

  • Engine - size

  • Value - purchase price

  • Garage location - address

  • Policy details - coverages, limits, deductibles

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