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 motorcycle insurance 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 homeowners 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.

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).