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Motorcycle Insurance to fit your budget & needs

Low Cost Motorcycle Insurance in AL, FL & GA

​What does ATV Insurance cover?
ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle.  Here are some details:

• Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident.  It will also cover the cost of your legal fees if you are sued.
• Collision coverage will pay for repairs to your damaged ATV after an accident.
• Comprehensive coverage is optional, and will provide protection if your ATV is stolen, damaged by fire, vandalism, or severe weather.
• Uninsured/underinsured motorist coverage, also optional, will help cover your costs if another rider causes and accident, and does not have the insurance to pay for your expenses.

The best way to get a sense of your need for these types of insurance and the cost of premiums  is to contact our agency to review details of your situation. We can shop for quotes to give you a better idea of the best coverage for your needs.

What type of motorcycle insurance coverage do I need?
Warmer weather beacons you to revel in the open road — which also means plenty of ways to run into trouble. Not to fear! Outfitting your policy with the right coverages will help you stay protected no matter what arises.
Liability insurance
Liability includes bodily injury and property damage protection and is almost always required. If you ever cause an accident with your motorcycle, liability coverage helps protect you from having to pay others' injury or repair bills.
​When deciding how much liability insurance to get, a good rule of thumb is to get as much protection as you can comfortably afford.
Comprehensive and collision coverage
While liability is all about covering the other driver's expenses after an accident, collision coverage helps repair your bike if you cause an accident. Collision also helps cover the cost of riding apparel and helmets damaged in a covered incident.
Comprehensive coverage, on the other hand, kicks in after a non-collision incident such as a stolen motorcycle or that dead tree limb crashing down on your ride. Comprehensive can help pay the damage or even replace your motorcycle altogether.
​But that’s just the beginning.
Be sure to ask our insurance professionals to explain all of the following coverages so you may make an educated decision:

• Total loss coverage
• Medical payments coverage
• Optional equipment coverage
• Trip interruption coverage
• Uninsured/underinsured motorist coverage
• Towing and labor coverage