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
- 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).