Motorcycle Insurance

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Be Protected When You Have the Wind In Your Hair!

Motorcycle Insurance

Those who ride understand the lure of the open road and the freedom that comes with escaping the confines of a car or truck. We also understand the inherent danger of riding our bikes on roads filled with distracted drivers and those who just plain don’t see a motorcycle. That’s why it’s vitally important to carry the best – and most affordable – motorcycle insurance. It’s not only the law, it may be what stands between you and financial disaster in the event of a wreck.

Get a motorcycle insurance quote from Executive Southern today and ride with peace of mind knowing you are protected. We offer competitive rates on motorcycle insurance, no matter what type of bike you ride.

What is Motorcycle Insurance?

It’s a contract between an insurance company and a policyholder that spells out how the insurer will financially compensate the motorcyclist in the event of a covered occurrence, such as a wreck. How much the insurer will pay out depends on the level and type of coverage purchased by the rider.

Deciding how much coverage to get depends on several factors, including how much protection you feel you need and how much you want to pay. The key is to find the optimum level of coverage you are comfortable with at a price you can afford.

It can take time away from riding the roads to surf the internet and compare insurance coverages and quotes. We will listen to what you need, how much you want to pay and do the research for you. You’ll receive a list of choices so you can make the final determination.

How Much Coverage Do I Have to Buy?

Just as with car insurance, motorcyclists are required to carry the state-required minimum liability.

What are Other Types of Insurance?

For the motorcyclist, there are many coverages available similar to automobile insurance. These include:

Full Coverage – This is a combination of liability (required) and collision and comprehensive. Collision will help pay for repairs to your bike after a collision, regardless of who is at fault. Comprehensive will help pay for your bike if it damaged in a hail storm or stolen – or even if you hit a deer or other animal while riding. If you’ve financed your scooter, your lender may require you to carry full coverage. In some instances, this coverage also includes Guest Passenger Liability.
Medical Payment (MedPay) – This helps pay for medical expenses for you and your passenger (if there is one) if you are injured in a covered event, such as a wreck. If you have health insurance, MedPay helps pay for your deductible, as well as other costs including child care and lost wages.
Uninsured/underinsured Motorist Coverage – This helps pay for your repairs if you are hit by an uninsured or underinsured motorist or a hit and run.
GAP – If your brand new bike is totaled or stolen, this will pay the difference between what is still owed and the depreciated value of the motorcycle.
Roadside Assistance – Your full coverage may include this, but if not, you may want to consider adding it – especially if you may need help if you break down on the side of the road.
SR-22 – This is a special type of insurance you may need to purchase if you are convicted of driving while intoxicated (in a car or on your bike).