UltraCar Insurance offers competitive motorcycle insurance quotes from top insurance companies. Our policies include these coverage options:
- Bodily injury
- Collision
- Comprehensive
- Medical payments
- Passenger liability
- Accessory
- Uninsured/under-insured motorist
- Agreed value settlement
- Roadside assistance
Because you invest time and money to make your bike reflect your taste, we offer customized motorcycle insurance to protect your bike and accessories. Our licensed agents will find the best rate and policy for your needs.
Notes about motorcycle insurance coverage
All states require motorcyclists to have property damage and bodily injury liability coverage. UltraCar Insurance includes this coverage in any policy you buy from us.
Property damage liability coverage pays for repairing or replacing another driver’s property, including vehicles, homes, and other structures. Bodily injury liability coverage pays the medical costs of different people involved in an accident. Some states include physical injury to a passenger under passenger liability coverage. In other states, you can purchase bodily injury liability coverage that applies to passengers for an additional premium.
How to save money on your motorcycle insurance premiums
Keep your driving record free of accidents, tickets, and other violations.
Many insurance companies offer renewal discounts to those with no claims posted to their driving record during their previous term.
Get experience operating a motorcycle.
Insurance companies look at your driving record and calculate risk based on your background and knowledge of operating motorcycles. Premiums are generally lower for those with more riding experience.
Take training and certification classes.
You can reduce your insurance rate by passing a certified motorcycle safety course every three years. Presenting the certificates to your insurance provider can lower your rate by 10% to 15%. This little-used way to save on motorcycle insurance can positively impact your rates.
Buy less bike.
Expensive, high-end sport bikes with bigger engines cost more to insure than cruisers with smaller engines. A used motorcycle costs less to insure than a new one.
Purchase only the coverage you need.
Every state requires a minimum amount of liability insurance coverage. Also, if you’ve financed your bike, your lender probably has specific coverage requirements. Other than these requirements, you can select the type and amount of insurance coverage you need. For new bikes, carry enough to cover bike replacement and medical payments. Remember that used bikes depreciate quickly. Determine the value of your motorcycle by using the NADA guide to compare its value to the cost of comprehensive and collision coverage. To lower your premium as the motorcycle ages, consider dropping comprehensive, collision, and specialized coverage like accessory insurance and total loss coverage. You might consider dropping coverage for medical payments on your policy if you have health care insurance.
Opt for a higher deductible.
Perhaps you’re willing to assume more risk by paying a larger share of any loss. If so, insurance companies reward you with a lower monthly premium, especially if you own an exotic sports bike.
Bundle your insurance.
Combining your motorcycle, homeowners, and auto insurance with one insurer can result in significant savings on each premium.
FR44 Motorcycle Insurance
If you own a motorcycle in Virginia, call us to discuss an SR22 filing tied to your motorcycle policy or Virginia FR44 motorcycle insurance for license reinstatement after a DUI.
Getting a quick, low-cost quote for standard or SR22 motorcycle insurance. Our agents will help you determine how much you can save! Contact an UltraCar Insurance agent for additional information.
