A used or brand new motorcycle in your hands can make your life more exciting. But with all the excitement comes great responsibility. You must purchase motorcycle insurance to ride your bike legally.
The insurance coverage will protect your ride in case of a motorcycle accident and compensate for any harm or property damage you inflict on other parties while on the saddle. But this doesn’t mean that any insurance company will offer the same experience, coverage, and pricing as the other. Fortunately, the experienced team at Pacific West Injury Law can help you get the best insurance deals.
It’s hard to find the right insurance company to work with. Many insurers are in the market, promising low premiums, attractive terms, and the best experience. But only a few can guarantee protection and service delivery to bikers in Las Vegas and beyond.
Here are the leading insurance companies for motorcycle drivers:
Most riders prefer Progressive insurance because it offers generous policies. Its main attractions include the vast choice of replacement parts, complimentary accessories coverage, accident forgiveness, and deductibles that diminish as you continue to stay claim-free. Progressive’s standard motorbike insurance policy includes custom parts protection coverage of $3,000.
You’ll spend $504 annually, approximately $217 lower than the average coverage price. You’ll also enjoy numerous discounts for making automatic payments, driving safely, and simply having a motorbike license. The company also offers the following endorsements that you can add to your coverage:
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Harley Davidson is the only company on this list specializing in motorbike insurance and related products like bike loans, planned maintenance insurance, and parts. Therefore, it’s ideal for new bikers, especially if you’re riding a Harley. You can make additional savings by pairing the features with the safety course discount.
The company also covers a broader range of motorcycle types and offers the best discounts. Apart from the standard coverage options, you’ll also enjoy a decent assortment of add-ons. Examples include the cost of a complete replacement for totaled motorcycles and equipment replacement for lesser accidents.
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The insurance company boasts one of the best National Association of Insurance Commissioners (NAIC) complaint indexes. This means it receives way fewer complaints than most companies of its size, and customers are likely satisfied with its service. The company also boasts an A+ AM Best rating for financial stability.
You can include a $3,000 custom part protection coverage or purchase OEM (original equipment manufacturer) coverage if your motorcycle hasn’t exceeded ten years.
The average annual insurance coverage cost is $666, about 7 percent cheaper than the state’s average. If you qualify for the company’s motorbike discounts, you’ll also enjoy reduced premiums.
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Foremost offers the same coverage as its parent company, Farmers. But you now get this through a better website. The company’s three coverage packages, Elite, Plus, and Saver, can be customized to your needs.
The plans include coverage for safety apparel and helmets and first-accident forgiveness. Elite and Plus packages include replacement cost coverage, track-day coverage, and roadside assistance with trip interruption and towing. Furthermore, the former consists of a deductible waiver or diminishing deductible and permissive use rental benefits.
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The Liberty Mutual insurance company offers every standard insurance policy for a broader range of motorbike varieties, including coverage for some kit and homemade bikes. You’ll also get roadside assistance in every plan and guaranteed repairs for manufacturer parts with the collision and comprehensive coverage.
Moreover, Safeco also offers limited discounts and additional coverage options that you can use to customize your policy. The agency is primarily agent-based, so you’ll get more details into their offerings by calling in.
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Nevada is among the top ten states with the highest military members per capita. Motorcycle riders in this category can enjoy great deals with USAA. The insurer’s customer service is topflight, but it’s only available to specific policyholders.
USAA insurance coverages are available through Progressive, but members will get a five-percent discount. The latter already offers the most competitive rates and the broadest range of coverage options. So there’s a lot to benefit from.
Only veterans, military members, and some of their family members are eligible for USAA. You’ll likely have to reach out to the insurer over the phone or online because it doesn’t have many agents.
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It’s not easy to navigate the murky waters by learning the basics of insurance, understanding your needs, and selecting the right insurer. But experienced motorcycle insurance attorneys from Pacific West Injury Law are ready to guide you. So, contact us today!
Disclaimer: The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship. Past results do not guarantee, warrant, or predict future cases. You may have to pay the other side’s attorney’s fees and costs in the event of a loss.
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