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Motorcycle Insurance

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Knowledgeable agents and staff

Wide variety of insurance products and companies

Top-notch claims support

Motorcycle Insurance Provided By Our Agency

A motorcycle insurance policy helps protect you and your motorcycle, whether you are enjoying a long summertime ride or you have your bike stored away for the winter. You’re passionate about your bike, so we dig deeper to offer a wide range of coverages.

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Uninsured/Underinsured Motorist Coverage
Property damage to others
Guest Passenger liability
Insured’s Motorcycle damage
Theft Coverage

Uninsured/Underinsured Motorist Coverage

Risk Factors

You are hit by another vehicle while on your motorcycle and need to have multiple surgeries totaling $60,000. The driver that hit you only carries $30,000 in Bodily Injury Insurance coverage.


If you have Uninsured/Underinsured Motorist coverage on your motorcycle policy, you can collect under your own policy up to the limits chosen if the at-fault driver doesn’t have enough coverage.

Property damage to others Coverage

Risk Factors

While driving your motorcycle, you may meet with an accident and cause damage to someone’s personal property.


Liability insurance covers property damage that you may cause to other people involved in the accident. It will also provide compensation in the event that you cause damage to another person’s property.

Guest Passenger liability Coverage

Risk Factors

You may meet with an accident and cause your co-passenger to be injured.


You can get coverage from Guest Passenger Liability where your Motorcycle insurance provides protection in the event that a passenger is injured on your motorcycle.

Insured’s Motorcycle damage Coverage

Risk Factors

You met with an accident and your motorcycle is damaged. You are bound to pay for repair costs to get it back to normal.


Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages incurred.

Theft Coverage

Risk Factors

You forgot to lock your motorcycle and it got stolen. You need to pay the legal fees and suffer a huge loss.


Comprehensive coverage pays out to you if your motorcycle is stolen.

What is Motorcycle Insurance?

Motorcycle insurance is similar to auto insurance. The state requires some coverages, and others may be optional. Liability coverages are usually required by the state and generally provide coverage for damages or injuries you may cause to others in an accident.

There are other coverages you can add to cover damages to your motorcycle, accessories you have added, and even coverage to help provide towing and roadside assistance. In addition, you can choose optional limits and coverages to personalize your policy to meet your needs.

What are the types of Motorcycle Insurance?

Motorcycle insurance coverage benefits you, your bike, and others on the road. Types of Motorcycle Insurance policies are:

Liability insurance covers bodily injury and property damage you may cause to other people involved in an accident. However, it doesn't cover injury to you or damage to your motorcycle.

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred) minus your deductible.

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. Like collision coverage, your insurance company will pay for damages minus your deductible and will cover only the motorcycle's book value.

Coverage for customized motorcycle parts. Many comprehensive collision policies will only cover your motorcycle's standard factory parts or limit the coverage.

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages, and, in some cases, property damage.

Special Coverages:
  • Accessories coverage
  • Helmet Coverage
  • Emergency Roadside Service

Why is Motorcycle Insurance important?

As a motorcycle rider, you should take care and show caution every time you are on the road. You should think about your life, your bike, and the lives of others. Motorcycle insurance is a great way to protect you against loss if you are in an accident. It is important for bike riders to secure and maintain motorcycle insurance for several reasons.
  • Medical bills can pile up
  • Injury to Others
  • Collision Coverage
  • Total Loss Policies

Protect yourself and your ride with customized protection. Keep in mind that many coverages are available and can be confusing. Wondering which coverages are the best fit for you and your ride? Check with us to find all the information you need to hit the open road without worry.

Already have Motorcycle Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Shakopee, MN and surrounding areas.
8091 Old Carriage Ct N Shakopee, MN 55379
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