Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners. If you own a motorcycle—whether you ride it or not—you need this coverage to protect you from theft, collision, and other common exposures. Some of the items that may affect premiums:
- Your driving record where you keep your cycle (in the open or in garage), your credit record, how many years you have been driving a motorcycle, your age previous cycle coverage
- Anti-theft devices
Most states don’t require ATV insurance and you may have limited coverage if you have a homeowner’s policy. If you have an ATV we urge you to contact us and let us review your specific policy to determine whether you need a separate ATV Policy.
Many insurance companies offer discounts to help lower your premium such as:
- A discount for completing and approved ATV safety course.
- A discount for owning and insuring multiple ATVs.