What kind of coverage do I need?

The best motorcycle insurance plan for you might be different for another person, so it’s important to learn about what kind of coverage you need. For example, if you have a newer bike and want lower rates, you may want to consider a newer bike policy. This will be like insuring your car, because of the decrease in value over time. A classic policy would be more expensive because of the increase in value; these are usually for bikes that are worth $30,000+.

If you don’t own your motorcycle outright and have a loan, you’ll need to get GAP (guaranteed asset protection) insurance. This will help pay off the balance of your loan if you total your bike, but it’s important to note that this doesn’t cover regular wear and tear or accidental damage.

If you don’t own your motorcycle outright, you might need regular third-party liability coverage (this might also be included in your loan) that meets your state’s minimum requirements.

Whatever you ride, we can help you find the perfect policy for your needs. There’s never a fee to talk to us, so click below and let us answer all your questions!