Motorcycle Insurance
We’ve Got You Covered. Ride On.
Motorcycles come in all shapes and sizes. Name your ride and, chances are, Safeco motorcycle insurance covers it. Cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters and mopeds are only some of the motorcycle types we insure. We’ll even cover your personal golf cart, all-terrain vehicle or snowmobile. We get what riding is all about, because many of us are bikers too. Talk to your local Safeco agent to get the best combination of motorcycle insurance coverage, value and price.
Motorcycle Insurance Features and Coverage Options
Be Safe. Get the Coverage You Need to Enjoy the Ride.
Your motorcycle is one of your most prized possessions. You and your ride deserve special attention and protection. Because many of us are riders too, we understand the importance of bike safety. Safeco protects you and your motorcycle in ways that many other insurance companies don’t.
Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.
What Makes Us Different
Helmet, Jacket, Boots and Gloves
We’ve got you covered. Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only polices—something no other insurance company offers.
New Harley® Replacement
You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with every Safeco motorcycle policy. You’re covered.
Popular Coverage Options
Customize Your Motorcycle Insurance
Safeco gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. Choose motorcycle insurance coverage that’s right for you with the help of your local Safeco agent.
Custom Parts and Equipment
Optional custom parts coverage is available up to $20,000 per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option. That’s some serious custom work.
Roadside Assistance
Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which also covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.
Coverage Required in Most States
Mandatory motorcycle insurance requirements vary by state. Safeco motorcycle insurance policies are designed not only to satisfy all mandatory requirements but offer even more great coverage options. Talk to yourlocal Safeco agent about the levels and type of motorcycle coverage required where you live.
Bodily Injury Liability
Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.
Guest Passenger Liability
Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.
Property Damage Liability
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.
Coverage Required in Some States
Uninsured/Underinsured Motorist Coverage
Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Even More Coverage Options
Comprehensive
Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.
Collision
Helps pay for repairs to your motorcycle for damage caused by an accident.
Medical Payments
Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.
Claims Center
Accidents Happen
It’s easy to file and track an insurance claim with Safeco Insurance. We’re here for you when the unexpected happens. If you’ve been involved in a car accident or your home has been damaged in a storm, we’ve got the answers you need. We’ll help you through the claims process with friendly, step- by-step guidance.
Motorcycle Discounts and Savings
Save Money at Every Turn
Safeco offers safe riders significant savings through a variety of discounts and benefits. Take care of yourself and your bike. Talk with your local Safeco agent about how you can save up to 40 percent on your motorcycle insurance with potential discounts.
Be a Safe Rider. Get a Discount.
Take a Motorcycle Safety Course
Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.
Join a Riding Club or Group
Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.
Ride More
Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding.
Garage Your Bike
Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.
Own Your Own Home
Save up to 20% when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
More Ways to Save
Talk to your local Safeco agent about more ways to save on your motorcycle insurance. It’s possible to lower your rate if you:
- Insure more than one bike
- Also insure your car, home or boat with Safeco
- Maintain continuous coverage
- Are a homeowner
- Pay your bill in full
- Make a claim-free renewal
- Have a theft recovery device or anti-lock brakes
- Have multiple years of riding experience
How to Lower Your Motorcycle Insurance Costs
Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road.
Increase Your Deductible
You can lower your motorcycle insurance premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductible will generally lower your premium, but increase the amount you must pay yourself if a loss occurs.
Pay Your Bill in Full
Pay your bill off in full when you start or renew a policy instead of paying in monthly installments.
Talk to your local Safeco agent about other discounts and ways to save that could help reduce how much you pay for your motorcycle insurance.
Get More Out of Life with Safeco Motorcycle Insurance.
Do More.®
Find a New Road. Improve Your Skills With a Safety Course.
Enjoy life on the open road while Safeco worries about the unexpected. We’ll do our part. But you can help out by being aware of some fun and preventative ways to protect yourself and your bike. Allow yourself time to get more out of life. Get out on the open road and ride more. Ride to a motorcycle show or biker rally. Meet new friends at a riding club. Worry less. We’ve got you covered.
- Motorcycle Safety Tips
Being a safe rider isn’t just about getting discounts. It’s just smart.
- Motorcycle Riding Clubs and Association Groups
Ride with a group of supportive friends who share a common interest, gain experience, be safe, and have fun at the same time.
- Motorcycle Events, Shows and Biker Rallies
Meet some new friends, trade stories about rides, find some new gear, ride for charity or a benefit, check out hot custom rides and accessories at a bike show.
Motorcycle Insurance FAQ
Got questions about motorcycle insurance? We’ve got answers.
What is motorcycle insurance?
A basic motorcycle insurance policy protects you and your ride by helping to pay for repairs and expenses related to damage and injury from an accident that may or may not be caused by you. Optional coverage can be added for roadside assistance, trip interruption and custom parts and equipment.
What types of motorcycles does Safeco insure?
Cruisers; tour and tour sport; sport and super sport; dual and off-road; four-wheel utility and sport all-terrain vehicles; scooters and mopeds; sport and touring snowmobiles; trikes; homemade and kit bikes; personal golf carts and Segway® Personal Transporters (PT). Talk to your local Safeco agent about specifics in each category.
I race my motorcycle. Is Safeco motorcycle insurance right for me?
No. Safeco offers motorcycle insurance coverage for motorcycles that are not used for racing or speed contests, and for bikes that do not have nitrous oxide kits.
Can I get a discount for taking a motorcycle safety class?
Yes you can. Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course to receive a discount for three years.
Will I save money if I belong to a motorcycle association?
Yes. Talk with your local Safeco agent about how you can save money with our wide range of discounts and savings.
Why Ride With Us?
Great Reasons to Choose Safeco Motorcycle Insurance
Coverage, Value and Price
Safeco provides the best combination of coverage, value and price for you and your ride.
We Make Insurance Easy
We’ll work hard to get you out on the road as quickly as possible. Get a motorcycle insurance quote in about five minutes. Get a policy that’s right for you in only a few minutes more.
Personal Advice
Your local Safeco agent can offer personal advice on the amount of motorcycle insurance you need and which coverage options are right for you.
24/7 Claims Service
A customer service representative is available to assist you around the clock, every day of the week.
Discounts and Savings
Safeco offers numerous discounts and opportunities for you to save on your motorcycle insurance bill.
Flexible Coverage Options
Safeco gives you the option to choose coverage that’s right for you. Get all the coverage you need, and none of the coverage you don’t.
Simple Billing Statements
Our billing statements are easy to read and understand.
Flexible Payment Options
Pay your bill in full or in monthly installments.
Financial Strength
Safeco Insurance is backed by the financial strength of Liberty Mutual Insurance. We’ll be there if you need us.
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
2525 S. Lamar Ste 11
Austin, TX
78704
Well, I completely agree with all your points regarding Motorcycle insurance benefits.Many of us once in our life stuck in the middle of nowhere due to vehicle breakdown.
ReplyDeletecar recovery
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