Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners.
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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 are:
- Your driving record.
- Where you keep your cycle (in the open or in the garage).
- Your credit record.
- How many years you have been driving a motorcycle.
- Your age.
- Previous Cycle Coverage.
- Anti-theft devices.
ATV Insurance
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).
Get more answers with these tools and resources.
Keep This Information Handy Federal Trade Commission ID Theft Line and websites
1-877-438-4338
www.consumer.gov/idtheft
www.ftc.gov
Social Security Administration Fraud Line
1-800-269-0271
Credit Reporting Agencies
Equifax: 1-800-525-6285 www.equifax.com
Experian: 1-888-397-3742 www.experian.com
Transunion: 1-800-680-7289 www.transunion.com
Identity Theft Plan
- Call your credit card companies immediately. Explain what happened, and ask where to send a copy of the police report.
- Call and report to the police. Make several copies of police report.
- Complete a Federal Trade Commission (FTC) Theft Affidavit and FTC report (see contact information above to request these forms).
- Call your bank. They can place an alert on your Driver’s License number and Social Security Number, and freeze your account.
- Call fraud units of credit report agencies: Experian, Equifax, and Transunion.