Motorcycle Insurance Request a Quote Motorcycle Insurance: Why You Need it? Motorcycle accidents happen every six minutes in the United States, and it is important that you are protected. Aside from legal requirements, 80% of all motorcycle crashes result in a fatality which should be a startling reminder why proper coverage is necessary if you have a motorcycle. If you think your insurance costs are being wasted, think again: Insurance isn't really about what other people say - It's more about reducing risks above everything else. Without any protection at all- one accident can drain your savings or put pressure on anything else that affects how much money goes to paying medical bills for yourself or somebody else who's dependent on you.We’ve been doing this for a long time and know lots of ways to save and even more ways to protect you and avoid any dangerous insurance gaps. What are your coverage options? There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage, and better peace of mind, including:Additional liability coverage is something all riders should carefully consider. By purchasing both liability insurance for others and uninsured motorist coverage at higher limits, you will greatly reduce the risk of financial loss to yourself.Collision covers you in the case you’re in an accident that is your fault, this insurance pays to repair your bike, less the deductible amount.Comprehensive is a good option to consider as it pays for fire, vandalism, theft, hail damage, storms, and other non traffic accident claims.Roadside assistance - is one of those things you never think you’ll need, but will be thankful for if you ever break down far from home. Roadside assistance pays for jumps, gas, or towing your bike home or to the nearest facility.Bike accessories covers replacement or repairs on any expensive customizations and personalizations you’ve added onto your bike.Total loss insurance pays to replace your bike—not just the fair market value, which is usually lower than what you actually paid for the bike—but an entirely new ride.Rental vehicle coverage is something you may wish to consider if you’re planning a long road trip, or you often ride far from home—you can transport a break down yourself, rather than pay excessive tow charges.Trip interruption coverage helps pay for lodging, food and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home.On road insurance for off road vehicles covers your dirt bike or ATV on the road—we consider this essential, and very affordable. Motorcycle Insurance Discounts That Add Up You can trust Valley Insurance Group when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A+ rated insurance carriers we can shop with, to make sure you get the very best Motorbike Insurance and the lowest premiums. We also offer a number of insurance discounts, such as:Reduced fees for Harley Davidson bikesLoJack discountSafety course discountMotorbike endorsement discountDiscount for homeowner insurance or other vehicles Why We're Different You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build. Request a Quote Name Email Address Phone Question Thank you! Oops!