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 motorcycle (in the open or in garage), your credit record, number of years you have been driving a motorcycle, your age, previous motorcycle coverage.
Most states don't require ATV insurance and you may have limited coverage if you have a homeowners policy. If you have an ATV and live in Colorado, 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.
- A discount for being a member of associations such as the Harley-Davidson Owners Group (HOG), American Motorcyclist Association (AMA) or the Honda Rider's Club of America (HRCA).