Affordable insurance starts with an easy quote
Motorcycle Insurance is a specialized policy built for the rugged demands of your bike. Unlike a standard homeowner’s policy, which typically limits coverage to your own property, this standalone protection follows you to the open road. It provides critical defense for physical damage to your machine and liability coverage if you injure someone else or damage their property while riding.
Riding is freedom, but it also carries unique risks that standard auto policies ignore. One of the most overlooked gaps is Guest Passenger Liability. In many states, standard liability only covers the other driver, leaving your passenger (often a spouse or friend) completely exposed if you are at fault. Furthermore, custom chrome, leather saddlebags, and aftermarket exhaust systems are rarely covered by basic “Blue Book” policies. According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists are significantly more vulnerable on the road, making specialized protection not just a legal requirement, but a survival necessity.
A generic policy doesn’t work because a customized Harley-Davidson has different risks than a high-performance Ducati or a Honda Gold Wing. We match your specific riding style with the carrier that protects it best.
Select your bike type below to instantly start a custom quote built for your ride.
For those who invest heavily in chrome, paint, and performance upgrades.
Common Models
Street Glide, Road King, Scout, Chief
High performance meets high risk. Speed and agility require serious liability protection.
Common Models
Ninja, CBR, GSX-R, Panigale
Built for the long haul. When you're 500 miles from home, you need more than just liability.
Common Models
Gold Wing, Electra Glide, Can-Am Spyder
We build Motorcycle insurance policies that protect the rider, the passenger, and the custom machine you’ve built.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your lifestyle.
| Feature | Basic “State Minimum” Policy | Specialized Motorcycle Policy |
|---|---|---|
| Custom Pards (CPE) | ✖ $0 – $1,000 Limit | ✔ Up to $30,000 Available |
| Passenger Liability | ✖ Often Excluded | ✔ Included |
| Total Loss Settlement | ✖ ACV (Depreciated) | ✔ MSRP Replacement (New Bike) |
| OEM Parts | ✖ Generic/Used Parts | ✔ Original Manufacturer Parts |
“How much to insure my bike?” Rates are highly dependent on the bike’s class (cruiser vs. sport) and the rider’s history.
We don’t just sell insurance; we ride. “Independent Means Multiple Choices.” We shop carriers like Progressive, Dairyland, and Safeco to find the niche that fits your bike.
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
Experience the Value of
an Independent Agency
