What is Motorcycle Insurance

Motorcycle insurance covers you and your bike in case of an accident. There are many types of motorcycle coverage to choose from, including liability, uninsured/underinsured bodily injury, medical payments, comprehensive and collision, roadside assistance, total loss coverage, trip interruption, and more. We can help you decide which coverage is right for you.

What is covered?

Insurance covers street bikes, cruisers, touring bikes, ATVs, snowmobiles, golf carts, standard motorcycles, scooters, and more.

Motorcycle Safety 101

Ride a motorcycle? In addition to providing affordable motorcycle insurance, we've compiled a list of tips and relevant statistics in Motorcycle Safety 101. Read up on the most common reasons for motorcycle accidents, and find ways to guard against them. You'll also find insights on how to keep yourself safe while you ride.

Motorcycle Safety

When safety is not the top priority, statistics show that riding a motorcycle can be a dangerous pastime. Motorcycle accidents claim the lives of over 3000 riders each year in the U.S. Data shows that motorcycle riders are 26 times more likely to die in a collision and 5 times more likely to be injured than someone driving an auto. In addition, more than 80% of all reported motorcycle crashes result in injury or death to the rider.

Ride a motorcycle or know someone who does? Take a look at these tips below:

Common Reasons for Collisions Involving Motorcycle Riders:

Lack of basic riding skills

It’s estimated that a third of all riders who lose their lives are not properly authorized or licensed to operate a motorcycle. In addition, many riders are unfamiliar with basic skills like braking and cornering.

Driving under the influence

Riding a motorcycle after drinking or taking drugs is a major cause of fatalities.

Failure to exercise caution

Motorcycle riders have to be more careful, particularly in intersections, where the majority of collisions occur. Riders also need to pay attention in inclement weather, on slippery surfaces, or when encountering road obstacles.

Failure to drive defensively

It makes sense for everyone on the road to stay out of other drivers' blind spots and to anticipate potential problems on the roads. Auto drivers find it difficult to see motorcycle riders when they change lanes. Weaving or riding a motorcycle between lanes greatly increases the chance of a collision.

Failure to follow the speed limit

Speeding is a major cause of accidents and auto insurance claims among riders under 30. Not only is excessive speed dangerous for the rider, but it can also be a distraction to others on the road.

Tips to Keep Riders Safe:

Educate yourself

Take a training course to learn how to operate your machine safely and skillfully. (You may even get a discount on your auto insurance by taking a driver safety course.)

Keep your wits about you

Be aware of what is going on around you in traffic, drive defensively, and react appropriately.

None for the road

Don’t drink alcohol or take anything that could affect your ability to ride safely.

Protect yourself

Fifty percent of all riders killed were not wearing helmets. More states are implementing helmet laws, but ultimately it’s your responsibility to protect yourself. Protective gear such as eye protection, jackets, gloves, long pants, and high-top boots or shoes also go a long way to keeping you safe and in one piece. When riding your motorcycle, exercise caution, use common sense, and enjoy the open road.