Motorcycle Insurance That Matches Your Riding Style
Trusted by Riders for Over Three Decades
Our team of motorcycle enthusiasts and insurance experts understand the unique needs of riders. With 97% client retention and partnerships with 26 carriers, we find the right coverage for your specific bike and riding style.
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97% Retention
Customers stay with us year over year over year
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Your Motorcycle Insurance is Like Your Riding Gear
Nobody wants to crash, but every experienced rider knows the value of proper protection. The right insurance works exactly like your helmet and leathers—something you hope you never need but are grateful to have when you do.
The Minor Parking Lot Mishap
Marcus was in a crowded parking area when another driver accidentally backed into his parked motorcycle. His collision coverage immediately covered the $2,300 in damage, including bent handlebars, cracked fairing, and scratched paint. Instead of paying out-of-pocket for someone else's mistake, Marcus only paid his $500 deductible and had his bike restored to pre-accident condition within a week.
The Roadside Emergency
During a weekend ride, Emily hit an unexpected pothole that damaged her motorcycle's wheel and suspension, leaving her stranded 50 miles from home. Her policy's roadside assistance coverage arranged immediate towing to a qualified repair shop, and her comprehensive coverage handled the $3,800 repair bill. Her emergency roadside coverage even provided $200 for transportation costs while her bike was being repaired, turning what could have been a major headache into a minor inconvenience.
The Major Collision
Kevin was riding responsibly when an uninsured driver ran a red light and struck his motorcycle. Kevin suffered a broken leg and his bike was totaled. His uninsured motorist coverage paid his $45,000 in medical bills that would have otherwise come from his own pocket. His comprehensive coverage replaced his $12,000 motorcycle after subtracting his deductible. Without proper insurance, this accident could have been financially devastating on top of the physical injuries.
Build Protection as Unique as Your Ride
Smart Coverage Strategies for Every Rider
Your motorcycle insurance needs evolve with your life stage, riding habits, and bike value. These tailored approaches help you get the right protection for your specific situation.
New Rider / First Bike
Starting your riding journey means balancing cost with essential protection. Focus first on meeting legal liability requirements while protecting your financial future in case of an at-fault accident. As a new rider with potentially higher premiums, consider higher deductibles to manage monthly costs, but ensure you can afford that deductible if needed.
Smart moves include completing certified rider safety courses for 12-18% discounts, starting with a moderately powered bike for lower insurance costs, and investigating whether you qualify for membership discounts through riding associations.
Experienced Rider / Growing Responsibilities
With riding experience and potentially growing family obligations, your focus should shift toward stronger liability protection and enhancing medical coverage. Consider raising liability limits substantially above state minimums to protect your growing assets and future income.
Consider adding specialized coverages like trip interruption, accessory coverage for added equipment, and roadside assistance with trip continuation benefits. This is also the time to review medical payment limits and uninsured motorist protection, as these coverages protect your family's financial security if you're seriously injured.
Established Rider / Premium Bike Owner
With more riding experience and potentially a higher-value motorcycle, your coverage should reflect both your investment in your bike and your accumulated personal assets. Guaranteed value policies that agree on your bike's value upfront are worth considering, especially for rare, modified, or collectible motorcycles.
This life stage often calls for maximum liability protection, including consideration of an umbrella policy that extends beyond your motorcycle policy limits. If you've added significant customization to your bike, ensure your accessory coverage fully reflects these investments. Many established riders benefit from policies that include full OEM (Original Equipment Manufacturer) parts coverage rather than aftermarket replacements.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What's your worst-case scenario?
Consider the maximum financial damage that could result from a motorcycle accident. A minor tip-over might cost $2,000-$3,000, but a serious accident with injuries could reach $500,000+ when including medical costs, lost wages, and potential liability. Understanding the true financial impact helps you determine appropriate coverage limits.
2. What's your bike's true value to you?
Look beyond the market value. Consider replacement cost, custom parts, emotional attachment, and specialized equipment. Standard policies may only cover baseline book value, leaving you thousands short for replacement or restoration of modified bikes. Be honest about what it would take to truly replace your specific motorcycle.
3. What unique risks do you face?
Each rider has a distinct risk profile based on riding habits, storage conditions, and regional hazards. Commuters face different risks than weekend recreational riders. Those who store bikes outdoors or in shared parking face higher theft risk. Your specific combination of circumstances creates unique vulnerabilities that should inform your coverage choices.
🚩 Red Flags: When "Budget" Motorcycle Insurance Becomes Costly 🚩
Minimum Liability Only: The legally required minimum coverage (typically 25/50/15) is woefully inadequate for serious accidents. One major incident could bankrupt you when these limits are quickly exhausted by medical bills and property damage.
Skipping Uninsured/Underinsured Coverage: With approximately 14% of drivers uninsured and many more carrying minimum coverage, this protection is crucial. Without it, you're personally responsible for medical bills if hit by an uninsured driver – potentially tens of thousands out-of-pocket.
Missing Medical Payments Coverage: Health insurance often leaves gaps for motorcycle accidents, including high deductibles and co-pays. Medical payments coverage can fill these gaps and provide immediate funds while fault is being determined.
Actual Cash Value vs. Agreed Value: Standard policies pay actual cash value (depreciated value), which may leave you thousands short of replacement cost. Specialty motorcycles and bikes with modifications particularly need agreed value coverage.
The Economics of Motorcycle Protection
Understanding what your premium dollars actually buy helps you make smarter protection decisions. The right coverage isn't about minimizing premiums—it's about maximizing value and peace of mind while you ride.
Cost Comparisons
Major Collision with Injuries:
With proper coverage: $500-$1,000 (your deductible)
Without coverage: $45,000-$500,000+ (medical bills, bike replacement, liability)
Motorcycle Theft:
With comprehensive: $500-$1,000 (your deductible)
Without coverage: $8,000-$25,000+ (full replacement cost)
Minor Accident Repairs:
With collision coverage: $250-$500 (your deductible)
Without coverage: $1,500-$3,500+ (out-of-pocket repairs)
The Real World
$534 - Average annual premium nationwide for motorcycle insurance. That's about $45/month for full coverage, providing comprehensive protection for less than many riders spend on maintenance and accessories.
74% of motorcycle claims are collision-related, demonstrating that even careful riders face significant risk from other drivers and road hazards.
12-18% premium reduction available to riders who complete certified safety courses – translating to $67-$102 annual savings for the average rider.
23% year-over-year increase in motorcycle fatalities highlights the critical importance of having adequate medical and liability protection.
Ride Protected, Ride Confident
Join the 1,430+ riders who trust our expert advisors to find the perfect balance of protection and value. With access to 26 carriers and 33 years of experience, we'll find coverage that fits your unique riding style.
FAQs
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