Need motorcycle insurance?
See below to better understand what your coverages mean and what all the different factors are that help determine your rate.
Understand Your Coverages
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Bodily injury liability - pays, up to the limits of the policy, for injuries to other people you cause with your motorcycle
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Property damage liability - pays, up to the limits of the policy, for damage to other people’s property caused by your motorcycle
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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
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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
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Uninsured motorist property damage - allows you to collect damages from your own insurance company if the other party damages your motorcycle and is uninsured
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Collision - it will pay for damage to your motorcycle caused by collision or upset, subject to a deductible
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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
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Optional coverages
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Roadside assistance - pays for towing charges to the nearest repair shop
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Rating Variables
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Age - years of driving experience
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Marital status - single, married, divorced, widowed
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Driving record - tickets, accidents, violations, claims
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Insurance history - limits and tenure with prior carrier
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Credit - ability to make payments
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Vehicle type - year, make, model, VIN
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Engine - size
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Value - purchase price
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Garage location - address
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Policy details - coverages, limits, deductibles