Bikes Are About Freedom
The lure of the open road, or the camaraderie of weekend rides with friends is what attracts us to motorcycling. But to truly enjoy the feeling of freedom, it is essential that you get the right insurance to protect your ride and yourself.
Do I Need Motorcycle Insurance?
Absolutely. Not only is it important to be properly protected in the case of an accident (the National Safety Council statistics indicate that a motorcycle accident causing serious bodily injury happens every 6 minutes in the United States) motorcycle theft is also on the rise—and only 20-25% of motorcycles that are stolen are ever found.
While some may think of motorcycle insurance as a “wasted” expense, the proper way to look at it is that insurance is about managing your risks. Without insurance, all it takes is one accident to drain your savings and take away your ability to pay medical expenses for yourself or someone else you’re responsible for.
Ensuring Proper Coverage
We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the necessary coverage at the most reasonable cost.
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
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.
Rental vehicle
coverage
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
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.
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.
Comprehensive
Comprehensive is a good option to consider as it pays for fire, vandalism, theft, hail damage, storms, and other non-traffic-accident claims.
COLLISION
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.
Roadside assistance
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.
On-Road insurance
On-Road insurance for off-road vehicles covers your dirt bike or ATV on the road—we consider this essential, and very affordable.
When you need the best motorcycle insurance
You can trust our team 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 bikes
- LoJack discount
- Safety course discount
- Motorbike endorsement discount
- Discount for homeowner insurance or other vehicles
The Graham Insurance Difference
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.
