About Us Auto Homeowners Commercial Health/Life Claims Payment Contact Us Get a Quote Now Home Page Contact Us Employees

Got Toys? 


Motorcycle


Boat/Watercraft

RV

Snowmobile

ATV 


Why do you need insurance for your toys?
You'll enjoy being out playing on your machine even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your machine is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your machine is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your machine may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can I afford to pay if my machine is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your machine is stored in a garage.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What's the process for filing and settling a claim?

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 machine you own, or being a graduate of a rider-training course.

  • Maintaining a good driving record with no violations will also help reduce your premiums.  
  • 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