Coverage for your bike when hitting the open road.
Motorcycle insurance from a local, family-owned agency.
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
See what others are saying about our Family of Independent Agents:https://t.co/dB9HYktxQl
— Dove Insurance (@DoveInsurance) February 1, 2022
Motorcycle policies that bring you peace of mind.
Motorcycle insurance policies are made up of several components, and designed to protect you, your passengers, and even your motorcycle in the event of accident.
What do collision and comprehensive coverage offer?
Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.
Optional coverages designed to protect your ride.
If you are looking to compare motorcycle insurance coverages and rates then there are a few coverage options you should know about.
The least expensive option will always be to purchase basic liability, but there are some optional coverages that may peak your interest:
Carried Contents Coverage. This pays for your owned personal property (such as cell phones, hunting gear or camping gear) that is damaged, destroyed or stolen while using the vehicle.
Custom Parts and Equipment (accessory). Either a separate coverage or included when both Other Than Collision and Collision coverage are purchased, this covers items such as custom paint, plating or exhausts; sidecars, electronic equipment, saddlebags, handlebars, wheels, chrome accessories, and more.
OEM Parts Coverage. Often included in packages such as guaranteed replacement value, this simply replaces damage with original equipment manufacturer parts (OEM). Think Harley parts on Harley bikes, Honda parts on Honda Bikes
We’re happy to talk through the details of motorcycle insurance, of course. Contact us, and we’ll lead the way.
MULTIPLE CARRIERS, MULTIPLE COVERAGE OPTIONS
We offer coverage for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs – even custom motorcycles and motorcycles more than 25 years old.
With multiple carriers, our Family of Independent Agents can help find the best motorcycle policy for you.
Motorcycle Insurance FAQ
Why do I need a separate motorcycle insurance policy if I already have auto insurance?
Motorcycle insurance is a separate policy from auto insurance because motorcycles carry different risks, coverage needs, and rating factors than passenger vehicles. A standard auto policy typically excludes motorcycles, so relying on your car insurance to cover your bike could leave you exposed in an accident.
Can I reduce my motorcycle coverage during the off-season?
If you only ride during certain months, some insurers offer the option to adjust coverage while your motorcycle is in storage, often by keeping comprehensive coverage in place to protect against theft, fire, or vandalism while dropping liability and collision. Coverage options vary by insurer, so it’s worth speaking with your agent to see what’s available in your area.
Are there discounts available for motorcycle insurance?
Many insurers offer discounts for things like completing a motorcycle safety course, bundling your motorcycle policy with your home or auto insurance, being a mature rider, or having a clean driving record. Discounts vary by insurer, so check your coverage or talk with your agent.
What is the difference between agreed value and actual cash value coverage for a motorcycle?
Actual cash value coverage pays the depreciated value of your motorcycle at the time of a total loss, which may be less than what you paid for it. Agreed value coverage means you and the insurance company agree on a payout amount upfront, which can be especially valuable for custom, vintage, or collectible motorcycles. Speaking with your agent can help you determine which option fits your bike.
Get Started Today
As an independent agency, we are here to help you find the right Motorcycle Insurance coverage.
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Motorcycle Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
