Motorcycle

Liability Coverage

Liability coverage protects you if you cause an accident – covers other driver’s (and his/her passengers’) medical bills and damages.

Medical Payments Coverage

This coverage helps pay for medical expenses as it relates from injuries associated with auto accidents whether the insured is at fault or not.

Collision Coverage

This coverage protects you if you get hit by, or hit, another vehicle. Covers your motorcycle repairs, you choose level of deductible that you want to pay, company pays up to policy limit.

Comprehensive Coverage

Coverage protects you if your motorcycle is damaged by something other than a collision, such as fire, vandalism, hail or flood. You pay the deductible that you’ve chosen, company pays up to policy limit.

Uninsured or Underinsured Motor Vehicle Coverage

Protection if you are in an accident caused by an uninsured driver or a driver with limited insurance; company pays up to policy limit.

Emergency Road Service

This coverage provides you with towing service or roadside assistance if your motorcycle breaks down due to mechanical or electrical issues (such as dead battery, a flat tire, or a lock-out) or if you run out of fuel.

Custom Parts and Equipment

Coverage for parts and equipment that were not originally installed by the manufacturer.

Safety Apparel Coverage

A discount for locking up your cycle or off road vehicle in a building if you are carrying comprehensive coverage.

Insurance Discounts

• Multi-Policy Discount – Ask your agent about multi-policy insurance discounts when you combine auto insurance with home or life, or when you insure more than one vehicle.
• Prior Coverage Discount – Discount options when you can show coverage with current or prior carrier for several years.
• Advance Quote Discount – A discount for quoting coverage at least eight days prior to the renewal.

Driver Discounts

• Motorcycle Safety Course Discount – A customer who completes a qualified safety course is eligible for a discount for a period of three years.
• Companion Discount – A discount for having another type of insurance policy with the same company.
• Association Discount – A discount for being a member of one of several designated riding associations.
• Garaging Discount – A discount for locking up your cycle or off road vehicle in a building if you
  are carrying comprehensive coverage.
• Experience Discount – A discount for a customer having one year or more experience riding motorcycles,
  ATV or snowmobiles.
• Ownership Discount – A discount for owning an insured motorcycle or ATV for more than two years.

Vehicle Discounts

• Recovery Discount – A discount for having a tracking device (that has a radio frequency network that is setup to work in conjunction with a participating police agency) in your cycle that can be used to recover cycle if stolen.
• Anti-Lock Braking Discount- A discount for having an anti-braking system installed in the cycle.

Billing Discounts

• Billing Plan Discount – A discount for paying policy in full at inception.