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Motorcycle & ATV Insurance
Motorcycle
Insurance typically offers a combination of collision, liability, theft, and
related coverage designed specifically to meet the needs of motorcycle owners.
For definitions, see the Auto Insurance page.
If you own a
motorcycle—whether you ride it or not!—you need this coverage to protect you
from theft, collision, and other common exposures.
Some of the
items that may affect premiums:
- Your driving record
- Type of motorcycle
- Where you keep your motorcycle (in the open or in
garage)
- Your credit record
- How many years you have been driving a motorcycle
and been licensed to drive
- Your age
- Previous motorcycle coverage
- Anti-theft devices
- Some carriers offer a discount for being a member of
associations such as the Harley-Davidson Owners Group (HOG), American
Motorcyclist Association (AMA) or the Honda Rider's Club of America
(HRCA)
- You may get a discount for not carrying coverage
during "winter" months, but buyer beware. Do not take your motorcycle out on
those warm winter days because you have spring fever! You do not have coverage
as specified by your policy during certain months and you can get a ticket for
no insurance during that time. We recommend year-round coverage unless you are
very disciplined.
ATV Insurance
Many states
don't require ATV insurance but if you have a loan on one your lienholder
probably will require it.
Many insurance
companies offer discounts to help lower your premium such as:
A discount
for completing and approved ATV safety course
A discount for owning and
insuring multiple ATVs
A discount for being a member of associations such
as the Harley-Davidson Owners Group (HOG), American Motorcyclist Association
(AMA) or the Honda Rider's Club of America (HRCA)
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