Motorcycle Insurance Options

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Motorcycle Insurance Options

Motorcycle Insurance Options

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 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
  • only manufacturer replacement parts
  • to add coverage for medical expenses to your policy

… we have the flexible coverage you need at very competitive rates. Just as important, you’ll find excellent service and support with UltraCar Insurance. 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

Motorcycle Insurance Options we offer

Bodily injury: If you’re at fault in an accident, this coverage pays for the following 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. This coverage pays for expenses resulting from these types of accidents.

Comprehensive: 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 when riding a motorcycle are usually more severe than if you’re driving a car. This coverage helps you and a passenger on your bike pay medical expenses resulting from an accident.

Optional/Special Equipment: When you add special equipment or modify your bike, you want to protect that monetary investment. This insurance option covers 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: Covers medical expenses to you or other eligible persons that result from an accident, whether you or someone else is 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: Ensures that only genuine manufacturer replacement parts, when available, are used if you need to have your motorcycle repaired.

Property Damage: Protects you if you’re at fault in an accident that causes damage to someone else’s property (but it does not cover damage to your own property).

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

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

Roadside Assistance: 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
  • Low oil
  • Inadequate fluid
  • Insufficient water
  • Dead battery

Uninsured or Underinsured Motorist – Bodily Injury : 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, under-insured motorist’s insurance can’t cover your medical expenses.

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

Motorcycle Insurance Discounts

Everyone looks for cheap motorcycle insurance premiums, but not “cheap” insurance coverage. UltraCar Insurance offers many motorcycle insurance options tailored to your needs. We also have special discounts to lower your costs even further below our competitive rates. Following are a few of the motorcycle insurance discounts available to our customers:

Multi-cycle Discount: Get a great discount if you insure more than one bike with us.

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

Loyalty Discount: Ask one of our agents about this discount if you’ve been a loyal customer for more than a year and are considering adding a bike or getting a newer model.

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

Rider Course Discount: 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.

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

This article was last updated on November 5th, 2019 by