Riding a motorcycle on the open road is an incredible feeling. Living in Wisconsin, though, the snowy winters mean that riding season is restricted to certain months of the year. When the sun is shining it is finally time to rev your engines and ride off into the horizon, the last thing you want to worry about is whether your motorcycle insurance is sufficient.
Motorcycle Insurance Requirements
Motorcycle insurance is required by Wisconsin state law. You must have $25,000/ $50,000 policy for bodily injury protection and at least $10,000 for property damage liability. These are the minimum requirements, but you may want to purchase more coverage for added financial protection. Keep in mind that your insurance will also likely cover any passengers who could be riding on your motorcycle.
Whether you have a sports bike, vintage motorcycle, or a touring cruiser, Philleo Agency Insurance offers excellent policies for excellent standard and optional coverage. Our knowledgeable insurance team can offer suggestions for the best insurance choices based on your motorcycle and lifestyle.
Motorcycle Insurance Coverage
Though motorcycles are different from cars, trucks, and other enclosed, 4-wheeled vehicles, you essentially insure them in a similar manner. The owner or primary driver for the motorcycle should have appropriate insurance, including bodily injury and property damage coverage, before taking a motorcycle out for a spin.
Just as with automobile insurance, there are a range of motorcycle coverage options from which you can choose. Motorcycle insurance selections that Philleo Agency offers could include:
- Repair for damage to the motorcycle
- Bodily injury to a person or damages to property due to an accident
- Bodily injury for yourself due to an accident with an uninsured motorist
- Theft, fire, vandalism and other losses while your ride is in storage
- Emergency roadside assistance
As with other types of insurance, your deductible may vary from policy to policy, and depending on the insurance provider. Our team can also offer advice on how you can change your coverage needs at different times of the year, based on when you ride your motorcycle and when your bike is in winter storage.
You love your bike and have made it your own. Did you know that changes you make to the motorcycle, even seemingly small ones, probably won’t be covered by your standard insurance policy? That includes paint jobs, luggage racks, sissy bars, sidecars and more. Talk to your agent about post-manufacturer modifications you’ve made to your motorcycle to see how much additional insurance you may need.
Bundle for Motorcycle Insurance Savings
Philleo Agency Insurance offers a range of policies from which to choose and some discounts are available when you bundle your motorcycle insurance with other policies, such as your auto insurance policy or watercraft insurance policy. Some of these discounts could include a multi-vehicle discount, multi-policy discount, good driver discount, good student discount, and a safety equipment discount for having such features as anti-lock brakes.
Contact Us Today for a Motorcycle Insurance Proposal
Contact Philleo for your free homeowners insurance proposal and advice on your coverage options. Our experienced team can help you find the right coverage to protect your family’s home. Call us today to get started.