Motorcycle Insurance

Motorcycle/Off Road Vehicle Insurance

Whether you’ve got the ride of your dreams, or your saving up for your perfect bike there’s only one way to enhance that feeling of leaving all of your worries behind you and that sense of freedom you get from on and off road riding.

Motorcycle Insurance: Do You Really Need it?

If you think motorcycle insurance is “wasted” expense, think again: Insurance is more about managing your risks above any other consideration. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses for yourself or someone else you’re responsible for.

We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.

What Motorcycle Insurance covers—and what’s optional...

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Motorcycle insurance usually consists of the following protections:

  • Liability - in case you are found at fault
  • Uninsured/Underinsured liability coverage something all riders should carefully consider. By purchasing both liability insurance for others and uninsured motorist coverage at higher limits, you will greatly reduce the risk of financial loss to yourself.

What are your coverage options?

Aside from the mandatory coverages, you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage, and better peace of mind, including:

  • Medical Payments: Unlike auto insurance Personal Injury Protection is not required in Minnesota for motorcycles however Medical Payment is a great way to provide some additional Medical coverage.
  • Comprehensive is a good option to consider as it pays for fire, vandalism, theft, hail damage, storms, and other non-traffic accident claims. This may be required if you have a loan on your bike.
  • Collision covers you in the case you’re in an accident that is your fault; this insurance pays to repair your bike, less the deductible amount. This may be required if you have a loan on your bike.
  • Roadside assistance - is one of those things you never think you’ll need, but will be thankful for if you ever break down far from home. Roadside assistance pays for jumps, gas, or towing your bike home or to the nearest facility.
  • Bike accessories covers replacement or repairs on any expensive customizations and personalization’s you’ve added onto your bike.
  • Apparel coverage covers safety riding apparel such as helmets, jackets, eyewear, leathers, gloves and boots when damaged as part of a covered loss.
  • Total loss insurance pays to replace your bike—not just the fair market value, which is usually lower than what you actually paid for the bike—but an entirely new ride.
  • Rental vehicle coverage is something you may wish to consider if you’re planning a long road trip, or you often ride far from home—you can transport a break down yourself, rather than pay excessive tow charges.
  • Trip interruption coverage helps pay for lodging, food and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home.

When you need insurance

You can trust our team when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A+ rated insurance carriers we can shop with, to make sure you get the very best Motorbike Insurance and the lowest premiums. We also offer a number of insurance discounts, such as:

  • Association discounts
  • Safety course discount
  • Discount for homeowner insurance or other vehicles
  • Lo Jack discount

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

There’s no such thing as a one-size-fits-all insurance policy.  While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

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