What To Expect From Your Motorcycle Insurance Quote

After I was involved in a large auto accident a few years ago, I realized that I was about to become innately familiar with the claims process. Sure enough, within a few months I started to receive paperwork regarding my accident, and it was really interesting to see how my insurance company handled things. I was able to save a tremendous amount of money by talking with agents about covered and non-covered claims, and it really opened up my eyes about the entire insurance coverage process. Check out this blog for great tips on saving money, living better, and receiving the coverage you need.

What To Expect From Your Motorcycle Insurance Quote

24 February 2023
 Categories: Insurance, Blog

If you're in the market for motorcycle insurance, one of the first steps toward finding the right policy is requesting a quote. The quote you get from an insurance provider will give you a clear picture of how much coverage you can expect from your policy.

But what exactly should you expect when you get your quote? Read on to find out.

The Basics of Your Quote

When you request a motorcycle insurance quote, it will include some general information about your bike and coverage package. Generally speaking, it should include details like the make and model of your bike, how many miles you drive annually, and the type of coverage that you're requesting (e.g., liability only or comprehensive).

This information is what your insurer will use to explain how and why they've arrived at the cost of your policy. For example, if your bike is of a certain make and model, it may fall into a higher-risk category which could increase your policy cost.

The same applies to miles driven annually — the more you ride, the higher your premiums may be. Insurance companies want to ensure they cover any potential losses associated with the risks of your chosen lifestyle.


A deductible is an amount that you'll pay for repairs before your insurance kicks in. Most quotes include an estimate for both collision and comprehensive deductibles. The amounts are usually a percentage of the coverage limit that you've requested. For example, if your policy limit is $25,000 and the deductible is 10%, you'll have to pay $2,500 out-of-pocket.

It's important to keep in mind that higher deductibles can result in lower monthly premiums — but they also mean more out-of-pocket expenses if something happens to your bike. So take time to think about how much of a deductible you can comfortably afford.

Riders & Add-Ons

Your quote may also list riders (or add-ons) that can be added to your policy for an additional cost. Riders are specific types of coverage that are usually offered as an option with basic policies. They may cover things like roadside assistance or replacement parts for custom modifications.

The costs for these riders might be bundled with your basic coverage or broken down into separate line items. Be sure to read through the list carefully, so you know exactly what's included and what you'll be paying for. Also, research each rider before deciding if it's worth adding to your policy. Remember, more coverage means higher premiums, so make sure you don't add something that isn't worth the cost.

Discounts & Savings Opportunities

Finally, most quotes include discounts or savings opportunities available with specific providers. These can range from discounts for loyal customers to those who bundle multiple policies with one insurer. Some insurers also offer discounts for riders who complete safety courses or have no prior accidents or traffic violations on record.

Ask about these options when getting a quote — you never know what kind of savings opportunities might be available. 

For more information, contact a local company like Full Service Insurance Agency of Wisconsin LLC.