Sportbikes / Performance

what's the most important coverage?

This is a personal question.  We think, primarily, Uninsured Motorists is top.  That's because the biggest problem you can face is not having the money to pay for your injuries when someone else is at fault.  We also think Comprehensive is important because it covers all your non-riding related incidents such as theft/vandalism.  Collision pays for accidents you cause, and though other companies charge can double your cost we advise taking a look with us as our companies are more lenient.

 

are my upgrades covered?

Maybe.  Our companies offer $3,000-$5,000 of free coverage but many companies offer only $1,000. We can add extra for those who've gone all out (which we love).  Our companies also give $1,000 of gear coverage for free while others cover only your helmet.  Roadside Recovery is included for most of our customers too, giving safety when you crash in the middle of nowhere.

 

why is insurance so expensive?

The average lifespan on a Yamaha R1 is 2.3 years.  That means for every bike that's alive 5 years later, some squid crumpled one in a corner after 100 miles.   Think what that means to insurance companies... they'll probably be buying a new bike soon.  Because of this sportbikes get a bad rap and stupidly expensive rates.  Have you seen a $5,000/yr premium?  We have.  That's why we work with companies who specialize in motorcycles and recognize safe riders.  Being married, owning a home, and bringing your cars can all mean discounts. 

 Photo by Ducati

Photo by Ducati

Touring / Dual-Sport

are my personal belongings covered?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit. 

Below are just a few of the items we use to determine the best fit.

 

what if I'm out of state?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit

 

does having a.b.s. help my cost?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit

 Photo by Harley Davidson

Photo by Harley Davidson

Cruisers / Customs

What if it's custom?

Custom bikes are hard to insure.  Most companies want production-line models only, though having a brand name and VIN stamped on the frame will help.   If the bike doesn't fall into those categories (read: choppers) you will likely need an appraisal to assess the value and a certificate from the Department of Motor Vehicles (DMV) to prove it's road worthiness. 

 

are there limitations?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit

 

What if it's stolen?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit

 Photo by Honda Powersports

Photo by Honda Powersports

Off-Road

What is important to consider?

It starts with learning your needs and building a protection plan.  We use a multitude of insurance companies to get you the best cost and level of security.   With options, we can adjust your plan over time - like when you need to save a bit.

 

What about an ATV?

Simply, no.  Even though your roommate has Renters it will only pay for their things.  Even if it's a boyfriend/girlfriend, insurance covers only the person who buys it and their spouse/children.  So are you really going to end up with nothing if someone breaks in and steals your stuff?  You bet!