Motorcycle Insurance Options

Motorcycle Insurance Options

We have all the motorcycle insurance options you want, tailored to your needs. Start a quote now or call us today.

Motorcycle Insurance Options

Last updated on December 13th, 2018 by

There are a great many more motorcycle insurance options than there are makes and models of bikes. Coverage can be tailored to fit your particular needs and budget. In addition, there are many insurance discounts you can take advantage of to further reduce your motorcycle insurance premiums.

UltraCar Insurance offers many motorcycle insurance options, including SR22 motorcycle insurance if it’s ever needed. We have the cheap motorcycle insurance rates you’re looking for – particularly on Harley-Davidson! We insure Harley-Davidson, Yamaha, BMW, Suzuki, Triumph and Honda motorcycles, as well as mopeds and scooters. Whatever kind of bike you ride, insuring it is a must.

If you want to insure optional equipment you’ve added to your bike, or want only manufacturer replacement parts, or want to add coverage for medical expenses to your policy – we have the flexible coverage you need at very competitive rates. And, just as important, you’ll find excellent service and support with UltraCar Insurance. If you’re involved in an accident, we’ll handle your claim quickly, work to get your ride fixed as fast as possible and keep you informed during the process.

Types of motorcycles we insure:

  • Standard
  • Cruiser
  • Touring
  • Sport Bike
  • Trike
  • Dirt Bike
  • Dual Purpose
  • Scooter
  • Moped
  • Autocycle

Listed below are the many types of motorcycle insurance options we offer:

Bodily injury: If you’re at fault in an accident that causes injury or death to others, bodily injury coverage pays for these types of expenses:

  • Medical expenses
  • Lost wages
  • Pain
  • Suffering
  • Death

Collision: If you carry liability only insurance coverage, it probably won’t cover all expenses if you run into an object or flip/tip over the bike. You can cover expenses that result from these accidents by adding Collision coverage.

Comprehensive: This insurance option covers very costly damages to your motorcycle resulting from an accident.

Guest Passenger: Pays for injuries that a passenger on your bike incurs in an accident.

Medical Expense: Injuries sustained while riding a motorcycle can be more severe than if you’re driving a car. Coverage for medical expenses assists you and a passenger on your bike with medical charges resulting from an accident.

Optional/Special Equipment: When you add special equipment to or modify your bike, you want to protect that monetary investment. This motorcycle insurance option covers the permanent modifications or equipment installed to your bike against damage or loss. “Special equipment” are features that are not factory standard. The Vehicle Identification Number (VIN) identifies what is standard equipment for your bike. Coverage for non-standard equipment is determined by the value of the optional equipment less the value of the standard equipment it replaces.

Personal Injury Protection: This covers medical expenses to you or other eligible persons that result from an accident, whether you or someone else are at fault. Non-medical expenses such as wage loss and death benefits are usually covered, but some states limit the availability of this coverage.

Physical Damage Plus: This protection ensures that only genuine manufacturer replacement parts, when available, are used if you need to have your motorcycle repaired.

Property Damage: This coverage protects you if you are at fault for an accident that results in damage to someone else’s property – but it does not cover damage to your own property.

Rental Reimbursement: If your motorcycle will be out of commission for repairs, and it is your only mode of transportation, rental reimbursement may pay for vehicle rental expenses.

Replacement Cost: With this coverage, you get full replacement cost for your bike, including any optional equipment, if it is three years old or newer.

Roadside Assistance: This is available as add-on coverage for all policyholders. If your bike breaks down due to a mechanical or electrical issue, you get toll-free, 24-hour roadside service and towing for these types of problems:

  • Lost key
  • Flat tire
  • Insufficient fuel
  • Insufficient oil
  • Insufficient fluid
  • Insufficient water
  • Dead battery

Bodily Injury – Uninsured or Underinsured Motorist : Helps pay for your bodily injury expenses resulting from an accident caused caused by an uninsured motorist. Coverage up to your policy limits for bodily injury to you and a passenger if an at-fault underinsured motorist’s insurance can’t cover your medical expenses.

Property Damage – Uninsured or Underinsured Motorist: Coverage for damage to your insured bike when it’s damaged in an accident caused by an uninsured driver. Covers damage to your motorcycle up to the limits of your policy when the damage exceeds the coverage of an at-fault underinsured driver’s insurance.

Motorcycle Insurance Discounts

Of course everyone looks for cheap motorcycle insurance premiums, but not “cheap” insurance coverage. UltraCar Insurance offers lots of motorcycle insurance options that can be tailored to your needs, and special discounts to lower your costs even further below our competitive rates. Here are a few of the motorcycle insurance discounts available to our customers:

Multi-cycle Discount: Lucky you if you have more than one motorcycle to choose from to ride! And you get a great discount if you insure more than one bike with us.

H.O.G. Member Discount: Harley owners across the country who belong to The Harley Owners Group (H.O.G.) get a special discount.

Loyalty Discount: If you’ve been a loyal customer for more than a year and are considering adding a bike or getting a newer model, ask about our Loyalty discount. Talk with one of our agents for more information.

Rider Group Discount: If you’re a member of one of our recognized rider groups, you get a discount!

Rider Course Discount: We love safe riders. You may qualify for our Rider Course discount if you’ve taken and passed a voluntary rider safety course in the past five years. Check the MSF website for a list of Motorcycle Safety Foundation courses throughout the United States to take advantage of this discount.

See these pages for more information related to motorcycle insurance options:

UltraCar Insurance looks forward to talking with you about the motorcycle insurance options that work best for your needs and budget. Our agents will be glad to answer any questions you have and offer motorcycle insurance coverage recommendations. Get a motorcycle insurance quote now!


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