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.
Motorcycle Insurance Information
Just as car drivers need auto insurance, motorcyclists need motorcycle insurance. Riders can enjoy cruising on the open road even more when they know that they and their passengers and motorcycle are financially protected.
Do Motorcycles Cost More to Insure?
Motorcycle insurance tends to be cheaper than car insurance, but several factors determine an individual’s premium, such as the following:
- Age
- Driving record
- Where they live
- Motorcycle type (e.g., sports bike, cruiser or custom motorcycle)
- Age of the motorcycle
- Number of miles driven each year
- Where the bike is stored
Many insurance providers also offer ways to save on motorcycle policies, such as having a good driving record, taking motorcycle safety courses, having multiple bikes, and being an experienced rider. Suspending select coverages during winter when the bike isn’t used can also help save on policies.
How Much Motorcycle Insurance Do I Need?
Motorcycle insurance policies have a variety of coverage options, which include the following:
- Liability insurance can help cover bodily injury and property damage caused to third parties during an accident. However, it does not cover injury to you or damage to the motorcycle.
- Motorcycle collision insurance can help cover damage to your motorcycle if you are involved in a collision with another vehicle or object.
- Comprehensive coverage can help pay for damages caused by an incident other than a collision, such as fire, theft or vandalism.
- Coverage for customized motorcycle parts and equipment can help cover optional accessories added to your bike, such as chrome parts, a custom paint job, trailers or sidecars.
- Uninsured/underinsured motorist coverage can help pay for damages to you and/or your property caused by another driver who is uninsured or underinsured.
Motorcycle Insurance Quote in Cedar Rapids, IA
If you are interested in learning more about motorcycle insurance, contact Skogman Insurance. We have been helping Iowa residents get the insurance coverage they need since 1965.
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