21901 NE Halsey St. Ste 203, Fairview, Or. 97024

info@trevinwebbinsurance.com

(503) 667-2820

 

Motorcycle Insurance

Motorcycle Insurance

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.

 

 

Liability coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy. If you have not done a liability exposure snapshot we recommend doing that here.

 

 

Collision coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Motorcycle Insurance

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.

 

 

Liability coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.

 

 

Collision coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

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Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

 

  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
  • Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

 

Let The Trevin Webb Insurance Agency. help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Motorcyle coverage.

Comprehensive coverage

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

 

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.

 

 

Uninsured/Underinsured motorist coverage

Uninsured/Underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (Underinsured) to cover your damages.

 

This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/unerinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.

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Insurance Services We Offer

Having the proper insurance package is one of the most important decisions your family can make. That’s where Trevin & his team can help. Helping families like yours isn’t a job, it’s a commitment.

Auto Insurance

Life Insurance

Renters Insurance

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Motorcycle Insurance

Boat & Recreation Insurance

Umbrella Insurance

Retirement Solutions

Healthcare

Auto insurance

Home Insurance

Life Insurance

Renters Insurance

Business Insurance

Motorcycle Insurance

Boat & Recreation Insurance

Umbrella Insurance

Retirement Solutions

Healthcare Insurance

Words From Our Customers

Our Insurance is Transparent, Fair, And Simple

The Trevin Webb Insurance Agency can help you select the best insurance coverage for your needs. There are several different types of insurance products available and the decision can be overwhelming.

Our Insurance is Transparent, Fair, And Simple

The Trevin Webb Insurance Agency can help you select the best insurance coverage for your needs. There are several different types of insurance products available and the decision can be overwhelming.