You can hit the open road with confidence when you ride with us. We have the motorcycle insurance you need to protect your cruisers, sport bikes, touring bikes, trikes, scooters, and even your accessories and parts. Whether you have one bike or an entire garage full, we’ve got the right coverage for your motorcycle with affordable rates to keep you riding.
What Does Motorcycle Insurance Cover?
Required by law for all motorcycles that are operated on the road, motorcycle insurance is there to protect you from the financial repercussions in the event your bike is in an accident, stolen, or involved in any other covered loss. Motorcycle insurance policies are designed to cover motorcycles, scooters, mopeds, snowmobiles, ATVs, and golf carts. A homeowners insurance policy never covers physical damage to a motorcycle. However, endorsements are available on some policies for ATV’s and golf carts.
Motorcycle insurance policies are treated differently that auto insurance polices, so selecting the right coverage for you can be a daunting task, especially if it’s your first time purchasing specialty insurance. When it comes to motorcycle insurance, you need a policy that fulfills your personal needs and expectations, and fits into your budget.
Types of Motorcyles Insurance Coverages
Here are some of the ways motorcycle coverage benefits you and your bike:
Bodily injury and property damage liability covers the cost of repairs and medical expenses for other people if you’re at fault in an accident while riding your bike. Liability coverage can even cover the costs if one of these people brings a lawsuit against you as a result of the accident, too.
If you’re involved in an accident with someone who has no insurance, or the bare minimum of liability coverage, you could be left holding a pretty big bill for repairs or injuries. Uninsured/ underinsured coverage is there to protect you from the drivers and other riders who just can’t cover your costs in the event of an accident.
Comprehensive and Collision
When you want to protect your bike, comprehensive and collision coverage will pay to replace or repair it if it’s damaged or stolen, even if you’re not involved in an accident. With comprehensive coverage, your bike is covered against unexpected damage from fire, vandalism, and even theft.
Accessories and Custom Parts
Your custom parts, upgrades, accessories, and even your helmet could be costly to repair or replace. You’ll get coverage for your financial investment in parts and accessories, with the option to increase the amount you need if your bike is custom from clutch to muffler.
Medical payment coverage can protect you and any passengers who ride with you in the event of an injury from an accident. While liability coverage covers injuries to other people if you’re at fault in an accident, it doesn’t cover your own injuries. Medical payment coverage pays your bills no matter who is at fault.
How Much Does Motorcycle Insurance Cost?
Motorcycle insurance premiums are determined by the type, style, and age of the motorcycle being insured, the number of miles driven per year, and where the bike is stored when not in use.
Because motorcycles have a high risk profile, motorcycle insurance is generally more expensive than auto insurance. This is because the probability of a motorcycle owner filing a claim is significantly higher than car owners. The reason is simple, motorcycles involved in more accidents than other vehicles and motorcycles are relatively easy to steal.
The best way to keep your motorcycle insurance costs down is by driving safely. Like car insurance carriers, motorcycle insurance providers offer discounted rates for safe driving.
Get Motorcycle Insurance Today
Bodenstien Insurance offers a variety of coverage options for your motorcycles, so you can get the right amount of coverage you need at a price you can afford. Call us today at (775)782-3030 for a quote to speak to a motorcycle insurance expert about the best coverage options for you, your bikes, and your budget.