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Motorcycle Insurance

Motorcycle Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

After you submit your quote, an agent will contact you within two business days.

Motorcycle Insurance Information

Why do you need insurance for your motorcycle?
Your motorcycle may be one of your most prized possessions. It deserves special protection. You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.

Insurance coverage includes:

  • Repair or Replacement Costs - If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • Crash-Related Medical Expenses - If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • Lawsuits - If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you can afford.

Things to Consider & 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 your insurance 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, the type of motorcycle you own, or being a graduate of a rider-training course.

  • Motorcycle Safety Courses - Many companies offer discounts from 10 to 15 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.
  • Good Driving Records - Maintaining a good driving record with no violations will also help reduce your premiums.
  • Lay-Up Policies - In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
  • Discounts - Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts, motorcycle association membership discounts, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10-to-20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Type, Style, Age, Miles Driven & Storage - 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.

Get Started or Request a Quote

P.O. Box 691586
San Antonio, TX 78269

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