Motorcycle Insurance Quote Forms
Motorcycle Quote Form
Request Declaration and Coverages Page for Motorcycle Policy
Motorcycle Insurance Customer Service Options
Request ID Card for Motorcycle Policy
Motorcycle Insurance Information
There are many reasons to have a motorcycle...they're fun, affordable to operate, they don't take much room or much gas (some are even electric these days); plus, there are so many choices and options available.
Motorcycles offer the rider a sense of freedom (like the thrill when you were a kid on your first bike).
At Solo Insurance® we know the bottom line matters and that you take your bike seriously. We're ready to work and find you our best rate for the coverage you seek with insurance companies who are serious about motorcycles, and their riders. So whether you want to just get back n forth to work in a sensible manner or have a tricked-out cruiser, we'll shop for your best rate. Your motorcycle may be one of your prized possessions, It deserves special protection.
Do you need insurance for your motorcycle?
Yes, for a two main reasons. First, because you want to be legal on the road. You'll have peace of mind on the open road knowing you aren't worrying about "getting caught." Second, you want your assets covered. Having the coverage you want for financial peace of mind can include covering the investment in the bike itself.
Here are a few things to consider when getting coverage:
- If you're in an accident it can cause you financial hardship in addition to injury.
- If your motorcycle is stolen, it costs money to fix or replace it so insuring the bike with physical damage can help cover losses should they occur.
- If you or a passenger are injured in an accident, medical payments can apply to you and your riders.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
- Many companies offer discounts from 3 to 10 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
- Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.