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What is Motorcycle Insurance?
Protects the Way You Travel
Motorcycle insurance protects vehicles that are either your motorbike, trike, or scooter in regards of accidents that can happen on the road. This coverage can protect you and damage to others.
How InsureOnline.com Helps You
InsureOnline.com can offer you price ranges for motorcycle insurance dependent on your situation.
Customize Your Coverages
InsureOnline.com can also offer you price ranges dependent on your situation and match you to the carrier that can give you what you need.
What Does Motorcycle Insurance Cover?
For that random unexpected encounter on the road.
Full Replacement Cost
Collision/Comprehensive
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist
Underinsured Motorist
Underinsured Motorist
Lease/Loan Gap Coverage
Medical Payments
Rental Reimbursement
Optional Coverages
Here are some optional motorcycle coverages that can be added to enhance your coverage:
- Total Loss Coverage
- Roadside Assistance / Towing
- Extra Injury Protection
- Personal Belongings Coverage
- Disappearing Deductible
Factors That Can Potentially
Impact Your Rate
Location
Insurance providers look at state, region, and ZIP codes as they look at population of people living in your area. Highly populated areas are viewed negatively as they are seen as more risk to road accidents.
Type of Motorcycle
Dependent on how much your Motorcycle’s market cost is versus new prices. The older your motorcycle vehicle is the less it’s worth and the easier it is to cover.
Coverage Options on Policies
Select the limits you need regarding your motorcycle and your situation. It is dependent on your coverage options or a higher deductible you can lower your rates.
Motorcycle Saftey Course
Taking a motorcycle safety course is positively viewed by the insurance companies and can lower your rate regardless if you are a new rider or not.
Credit History
Data shows drivers with poor credit file would pay more than do policyholders with better credit.
Driving Record
Having a good driving record can be viewed positively by insurance provider. The lower the risk the better you are.
Claims History
If you have little to no claims your insurance rate would be lower compared to those who have had claims in the past.
Age and Gender
Age can impact how much you. The younger you are, the lower the amount for premiums would be. Also women pay less than men for insurance premiums.
New to Motorcycle Insurance?
Here is What to Expect
Do I Need Motorcycle Insurance
Not only is driving a motorcycle is a riskier mode of transportation than a vehicle, coverage is required to drive a motorcycle legally on the streets.
Talk to one of our professional agents for free today in regards to any questions.
Talk to one of our professional agents for free today in regards to any questions.
Where You Can Save
Here are some of the many discounts that are available
- Having a high deductible
- Good driver
- Having good credit
- Having a multi-policy
- Homeowner
- and more
Vehicle Types That Are Covered
Listed below are some of the types of vehicles that can be covered:
- Cruisers
- Touring bikes
- Sport bikes
- Lightweight bikes like scooters and mopeds
Our licensed insurance agents will discuss available options and discounts during your motorcycle quote.
Motorcycle Insurance FAQ
Is motorcycle insurance cheaper than car insurance?
Yes, motorcycle insurance is generally cheaper to have than car insurance. Average premium you can see from insurance companies for motorcycles may be $200 a year.
Does the motorcycle insurance coverage cover your passengers?
This situation is dependent on what state you are in but they are generally covered by this insurance. It is best to double check with your agent as it isn't nationwide.
Is theft covered for motorcycle insurance?
You would need to customize your coverage to include comprehensive coverage to cover the actual cash value of your motorcycle due from theft.
Availability in my state?
Motorcycle Insurance is offered within the states of: Illinois, Indiana, and Texas. InsureOnline is racing to include more states to cover.
Protecting Customers Since 1980
Read what customers are saying about our service.
The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again
Jacobi D.
Nick was so helpful. I needed an extra day to complete everything and Nick gave me his direct line and kept me paperwork @ his desk so I could keep dealing with him until the end. He made my first time experience with First Chicago excellent!! Thanks Nick and First Chicago!! 😁😁
Angela S.
Nick was very thorough, friendly and answered any questions that I had pertaining to my insurance policy. Customer service was A1. Thank you Nick.
Candace B.
If I could give more stars Maria most definitely deserves them. I had an issue with my plate sticker and needed to get insurance. She was so friendly, patient, and helpful she gave me options that I didn't know I had and it was just what I needed. She guided me through everything and gave me all her attention...
Jennifer F.
