Motorcycle Insurance
So You Can Fly Low on Two Wheels
There’s nothing quite like spreading your wings and hitting the open road. But even the boldest riders know it’s wise to protect your feathers before you take flight. Motorcycle insurance helps shield you, your passenger, and your prized bike — so you can soar with confidence instead of worry.
Why Do You Need Motorcycle Insurance?
Even the smoothest flight can hit unexpected turbulence. Here’s why coverage matters:
• Accidents happen. If your bike is damaged or stolen, repairs or replacement can cost a whole nest egg.
• Injuries can be costly. Medical bills for you or your passenger can pile up faster than twigs in springtime.
• Liability risks are real. If you’re responsible for injury or property damage, you could face a lawsuit that ruffles more than just feathers.
• Your bike is your baby bird. Whether it’s a sleek sport bike or a laid-back cruiser, it deserves special protection.
Motorcycle insurance is designed specifically for two-wheeled adventurers — because riding is a little different than driving the family station wagon back to the nest.
Coverage Basics to Chirp About with Your Agent
Your Independent Agent is your co-pilot in finding coverage that fits your riding style. Before you rev that engine, ask:
• How much can I afford to pay out-of-pocket?
Raising your deductible may lower your premium — but make sure it won’t crack your nest if you need to use it.
• How much liability and medical coverage should I carry?
Strong limits help protect your savings and future income if something unexpected swoops in.
• What discounts are available?
You might qualify for savings if you:
o Complete a rider safety course
o Bundle multiple policies
o Store your bike safely in a garage
o Insure more than one motorcycle
o Belong to a riding association
• What’s the claims process?
If something happens mid-flight, you’ll want to know exactly who to call and how quickly things take off.
• Does the insurance company have a solid reputation?
When it’s time to file a claim, you want a company that doesn’t leave you flapping in the wind.
Tips for the Cost-Conscious Road Bird
Several factors affect your premium, including:
• Your age and driving record
• Where you live
• The type and style of motorcycle (sport bike vs. cruiser)
• How many miles you ride each year
• Where you roost — I mean, store — your bike
Graduating from a safety course offered by the Motorcycle Safety Foundation can often earn you a 10–15% discount. It’s especially helpful for younger riders still earning their flight stripes.
Keeping a clean driving record also helps keep your premiums from flying too high.
In cooler climates, some companies offer a “lay-up” policy, which lets you suspend certain coverages during winter months when your bike is safely tucked away — saving you money while your wheels hibernate.
Discounts vary by company and state, so be sure to ask what savings are available to your flock.
Ride Bold. Ride Protected.
Your motorcycle isn’t just transportation — it’s freedom, adrenaline, and maybe even your favorite escape from the nest. The right coverage keeps one unexpected gust of wind from knocking you off course.
Before your next adventure, connect with your Independent Insurance Agent and make sure your protection is as strong as your wings. 🪶
• Accidents happen. If your bike is damaged or stolen, repairs or replacement can cost a whole nest egg.
• Injuries can be costly. Medical bills for you or your passenger can pile up faster than twigs in springtime.
• Liability risks are real. If you’re responsible for injury or property damage, you could face a lawsuit that ruffles more than just feathers.
• Your bike is your
Coverage Basics to Chirp About with Your Agent
baby bird. Whether it’s a sleek sport bike or a laid-back cruiser, it deserves special protection.
Motorcycle insurance is designed specifically for two-wheeled adventurers — because riding is a little different than driving the family station wagon back to the nest.
Coverage Basics to Chirp About with Your Agent
Your Independent Agent is your co-pilot in finding coverage that fits your riding style. Before you rev that engine, ask:
• How much can I afford to pay out-of-pocket?
Raising your deductible may lower your premium — but make sure it won’t crack your nest if you need to use it.
• How much liability and medical coverage should I carry?
Strong limits help protect your savings and future income if something unexpected swoops in.
• What discounts are available?
You might qualify for savings if you:
o Complete a rider safety course
o Bundle multiple policies
o Store your bike safely in a garage
o Insure more than one motorcycle
o Belong to a riding association
• What’s the claims process?
If something happens mid-flight, you’ll want to know exactly who to call and how quickly things take off.
• Does the insurance company have a solid reputation?
When it’s time to file a claim, you want a company that doesn’t leave you flapping in the wind.
Tips for the Cost-Conscious Road Bird
Several factors affect your premium, including:
• Your age and driving record
• Where you live
• The type and style of motorcycle (sport bike vs. cruiser)
• How many miles you ride each year
• Where you roost — I mean, store — your bike
Graduating from a safety course offered by the Motorcycle Safety Foundation can often earn you a 10–15% discount. It’s especially helpful for younger riders still earning their flight stripes.
Keeping a clean driving record also helps keep your premiums from flying too high.
In cooler climates, some companies offer a “lay-up” policy, which lets you suspend certain coverages during winter months when your bike is safely tucked away — saving you money while your wheels hibernate.
Discounts vary by company and state, so be sure to ask what savings are available to your flock.
Ride Bold. Ride Protected.
Your motorcycle isn’t just transportation — it’s freedom, adrenaline, and maybe even your favorite escape from the nest. The right coverage keeps one unexpected gust of wind from knocking you off course.
Before your next adventure, connect with your Independent Insurance Agent and make sure your protection is as strong as your wings. 🪶
• How much can I afford to pay out-of-pocket?
Raising your deductible may lower your premium — but make sure it won’t crack your nest if you need to use it.
• How much liability and medical coverage should I carry?
Strong limits help protect your savings and future income if something unexpected swoops in.
• What discounts are available?
You might qualify for savings if you:
o Complete a rider safety course
o Bundle multiple policies
o Store your bike safely in a garage
o Insure more than one motorcycle
o Belong to a riding association
• What’s the claims process?
Tips for the Cost-Conscious Road Bird
If something happens mid-flight, you’ll want to know exactly who to call and how quickly things take off.
• Does the insurance company have a solid reputation?
When it’s time to file a claim, you want a company that doesn’t leave you flapping in the wind.
Tips for the Cost-Conscious Road Bird
Several factors affect your premium, including:
• Your age and driving record
• Where you live
• The type and style of motorcycle (sport bike vs. cruiser)
• How many miles you ride each year
• Where you roost — I mean, store — your bike
Graduating from a safety course offered by the Motorcycle Safety Foundation can often earn you a 10–15% discount. It’s especially helpful for younger riders still earning their flight stripes.
Keeping a clean driving record also helps keep your premiums from flying too high.
In cooler climates, some companies offer a “lay-up” policy, which lets you suspend certain coverages during winter months when your bike is safely tucked away — saving you money while your wheels hibernate.
Discounts vary by company and state, so be sure to ask what savings are available to your flock.
Ride Bold. Ride Protected.
Your motorcycle isn’t just transportation — it’s freedom, adrenaline, and maybe even your favorite escape from the nest. The right coverage keeps one unexpected gust of wind from knocking you off course.
Before your next adventure, connect with your Independent Insurance Agent and make sure your protection is as strong as your wings. 🪶
• Your age and driving record
• Where you live
• The type and style of motorcycle (sport bike vs. cruiser)
• How many miles you ride each year
• Where you roost — I mean, store — your bike
Graduating from a safety course offered by the Motorcycle Safety Foundation can often earn you a 10–15% discount. It’s especially helpful for younger riders still earning their flight stripes.
Keeping a clean driving record also helps keep your premiums from flying too high.
Ride Bold. Ride Protected.
In cooler climates, some companies offer a “lay-up” policy, which lets you suspend certain coverages during winter months when your bike is safely tucked away — saving you money while your wheels hibernate.
Discounts vary by company and state, so be sure to ask what savings are available to your flock.
Ride Bold. Ride Protected.
Your motorcycle isn’t just transportation — it’s freedom, adrenaline, and maybe even your favorite escape from the nest. The right coverage keeps one unexpected gust of wind from knocking you off course.
Before your next adventure, connect with your Independent Insurance Agent and make sure your protection is as strong as your wings. 🪶
Before your next adventure, connect with your Independent Insurance Agent and make sure your protection is as strong as your wings. 🪶