Safest Motorcycle Insurance

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Travelling on a motorcycle usually feels exciting and fun. However, some of the most experienced riders encounter accidents sometimes, so it’s mandatory to be prepared when that happens. It’s essential to opt for a quality motorcycle insurance that will provide you with all the coverage, support, and help you need. 

When examining options for motorcycle insurance, you want to ascertain that you’re considering the big picture as well as the small one. You want to make sure that you meet all the requirements of liability coverage set by your state; you also want to protect your custom parts or valuable riding gear, which not every firm is willing to cover.

We understand that it gets difficult for people to opt for one because there are so many insurance companies in the market. To make things simpler and manageable, we read the policies provided by more than 30 national motorcycle insurance companies to discover the best options in terms of coverage, discounts, customer satisfaction, etc. 

Based on our research, we have selected a list of top 6 insurance providers:

 Most reliable motorcycle insurance providers:

  • Markel: Best for all. 
  • Safeco: Best if you are of a budget. 
  • Harley-Davidson: Best for new or young riders. 
  • Dairyland: Best for risky drivers. 
  • USAA: Best for servicemen or women. 
  • Foremost: Best for classic, custom or vintage bikes. 

Markel:

With over 40 years of industry experience and an extensive range of coverage options, Markel is hands down the best option in the market. We are aware that the company does not offer tech tools, but it has a wide range of coverage options and discounts for its customers which is more than enough.

Markel’s coverage options include:

Markel allows customers to customise or personalise their policies with its motorcycle insurance so that they can protect their bikes and all of the accessories in a better way. 

  • Bodily harm and property damage obligation
  • Passenger obligation for anyone riding along. 
  • Medical payments and funeral costs.
  • Collision and accidents coverage. 
  • Accessory coverage up to $30,000.
  • Uninsured motorist coverage.
  • Mechanical breakdown.
  • 24/7 roadside support and guidance. 
  • Trip interruption and rental compensation. 

Safeco Insurance:

With over a dozen discount choices, Safeco Insurance allows its customers to save more than any of its rivals. It also offers a wide range of insurance packages to its customers so they can opt for the very best. The company also provides multiple features for which other firms charge. It’s one of the best options if you are low on the budget and want value and quality at minimal rates.

SafeCo Insurance’s coverage options include:

Like various other motorcycle insurance companies on this list, SafeCo Insurance allows customers to avail all of the basic types of coverage such as:

  • Property damage and bodily injury obligation.
  • Passenger obligation.
  • Collision and accident coverage.
  • Uninsured motorist coverage.
  • Medical payment provisions.

Harley-Davidson:

Who would know motorcycles better than one of the top motorcycle manufacturers in the world? You can not only purchase your bike from Harley-Davidson but can also invest in motorcycle coverage directly through your Harley dealership. The company covers various types of motorcycles and allows customers to enjoy multiple perks. It is an amazing choice if you are a new bike rider and have no prior knowledge of motorcycle insurance or bikes in general.

Harley-Davidson’s coverage options include:

It does not matter what sort of brand or bike you own, Harley-Davidson will provide you with coverage and other available discounts.

  • Property damage and bodily injury obligation.
  • Passenger obligation.
  • Collision and accident coverage.
  • Uninsured driver coverage.
  • Medical payment provisions.
  • Personal injury security.
  • Guaranteed Asset Protection (GAP) coverage.
  • Accident pardon.

Harley-Davidson also provides the following:

  • 24/7 roadside assistance, guidance and help. 
  • Optional equipment coverage.
  • Bike replacement in the case of a complete loss. 
  • Rental compensation while your bike is in the shop
  • Theft protection. 
  • Display protection for your paint job or leather maintenance. 
  • Maintenance plan and extended warranty coverage for up to seven years. 

Dairyland:

There are multiple companies that offer motorcycle insurances but only a few take risky divers on board. A statistics of 2013 accumulated by the National Highway Traffic Safety Administration revealed that motorcycles were more commonly involved in fatal collisions and accidents with fixed objects than other vehicles such as cars or trucks. 

Dairyland’s coverage options include the following:

Dairyland has various coverage benefits for drivers such as:

  • Property loss and bodily injury obligation.
  • Passenger obligation.
  • Collision and accident coverage.
  • Uninsured motorist coverage.
  • Medical payment provisions’
  • Personal injury security.
  • 24/7 roadside assistance, guidance and help. 
  • Rental compensation.
  • Value coverage for classic, vintage or exotic bike owners. 

USAA:

USAA provides an extensive and wide range of insurance and investment products. Moreover, USAA constantly gets high marks from rating services such as the Better Business Bureau and J.D. Power. If you work or have previously worked for the military, look no further for your motorcycle insurance.

USAA offers the following coverage options:

  • Property damage and bodily injury obligation.
  • Collision and accident coverage.
  • Uninsured motorist coverage.
  • Medical payment provisions.
  • 24/7 roadside assistance, guidance and help. 
  • Custom parts coverage up to $30,000. 

USAA offers all sorts of basic coverage to its customers.

Foremost insurance group:

Some bikes are heavily made whereas the rest are poor in terms of material and quality; the Foremost insurance group understands that very well. Foremost is the first insurance company that offers coverage for classic, vintage or exotic bikes. 

The foremost insurance group provides coverage for the following:

Vintage, classic or custom bikes aren’t the only types of vehicles that the company insures. Foremost covers all sorts of bikes – be it heavy or low. Their coverage, however, is divided into various packages. 

  • Property damage and bodily injury obligation.
  • Collision and accident coverage.
  • Uninsured motorist coverage.
  • Medical payment provisions.
  • 24/7 roadside assistance, guidance and help. 
  • Custom parts coverage up to $30,000.

Conclusion:

There are a hundred different companies available in the market. Each one has its own perks; see what suits your needs and then invest in insurance. Moreover, the aforementioned companies come out with various packages and discounts in every two months or so. Have a look at their websites to obtain in-depth information about their services.

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