Motorcycle Insurance

Insurance for your motorcycle, dirt bike, moped, scooter and more

If you live in Washington, Oregon and California, chances are Carriage Insurance covers what you ride.  Motorcycles come in all shapes and sizes and Carriage Insurance insures a full spectrum of motorcycles from cruisers, street cycles, Harley Davidsons and touring bikes, to dirt bikes, scooters and mopeds. These are just some of the motorcycle types we insure.  We will even insure your golf carts, snowmobiles and other ATV’s. 

Talk to an agent at Carriage Insurance to get the best combination of motorcycle insurance coverage, value and price.  One of the advantages of working with an independent agency, like Carriage Insurance, is that we can help you find which major insurance company will save you the most, but also have the best coverage options customized to your needs. Our coverage options do not end with your motorcycle.  We also have coverage available for your accessories such as safety apparel.  Do you need to be able to replace custom parts?  We can get you coverage for that too. 

You may save money by having more than one policy with us and we can help you calculate your savings.  Be sure to check out our section covering all the discounts on motorcycle insurance you may qualify for!

Not Sure You Need Motorcycle Insurance?

Motorcycle insurance requirements vary by state. Be sure to review the laws for your state.  Carriage Insurance can help you choose the right coverage for you and help you to figure out what limits to carry and a deductible that fits your budget.

Customized Motorcycle Insurance Coverage Options

A basic motorcycle insurance policy protects you and your bike by helping to pay for repairs and expenses related to damage and injury from an accident that may or may not be caused by you. Carriage Insurance can help you choose a customized policy based on your needs.  Here are some of the coverages available in a motorcycle insurance package:

  • Liability Only Insurance – This is 3rd party coverage for injuries and property damage only.
  • Bodily Injury Liability- Will help to pay for bodily injury expenses like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger. 
  • Guest Passenger Liability – This specifically covers bodily injury coverage for a guest passenger riding with you on your motorcycle.
  • Property Damage Liability – This coverage will help pay to fix someone else’s vehicle that you damaged in an accident.
  • Uninsured / Underinsured Motorist Coverage – This coverage helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver. It will also cover you as a pedestrian if you are hit.
  • Collision- Helps pay for repairs to your motorcycle for damage caused in an accident.
  • Comprehensive- Helps pay for repairs or to replace your bike if it is stolen, vandalized or damage in some way other than a collision. This would include loss or damage from fire, flood, falling objects, wind and collision with an animal.
  • Medical Payments- Helps pay hospital bills and medical care expenses for YOU or a guest passenger injured in an accident, no matter who is at fault.
  • Towing & Roadside Assistance- Coverage for trip interruption that also covers towing to the nearest qualified repair shop and other basic emergency services.
  • Optional Equipment Coverage- Coverage for optional equipment that you have added to your bike. This is great for custom painting, chroming, side cars and other additions not provided by the manufacturer.
  • Safety Apparel Coverage- Coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
  • Trailer Coverage- Provides coverage for a specifically designed trailer to transport your motorcycle.
  • Replacement Cost Coverage- Coverage for up to 2 years on bikes purchased new and with a maximum MSRP of $35,000. This applies when you buy a new motorcycle from an authorized dealer within 30 days. This may not apply to custom or classic motorcycles.
  • Safeco’s New Harley® Replacement Coverage- 2-Year Replacement Cost Coverage for your new Harley-Davidson® motorcycle. This is included as stock coverage with EVERY Safeco motorcycle policy. You’re covered!
  • Safeco’s Helmet, Jacket, Boots & Gloves Coverage- Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only policies- something no other insurance company offers.

Want to keep your Motorcycle Insurance costs down?

Carriage Insurance represents many insurance companies who specialize in motorcycle insurance. These companies understand motorcycle enthusiasts and know about bikes and the best way to protect you and your ride, so you can go out and enjoy the ride, while knowing you are covered.

There are many significant discounts available on motorcycle insurance. Be sure to talk to Carriage Insurance about how you can save up to 40% on your motorcycle insurance.

Discounts Available to You:

  • Be a Safe Rider – Successfully complete a motorcycle safety course. The Motorcycle Safety Foundation is one approved motorcycle safety course.
  • Garage Your Bike- Keep your motorcycle locked in a secure structure overnight and you can get a discount.
  • Join a Riding Club or Group- Be an active member in an approved motorcycle riding club/association group and you will get a discount.
  • Experience- The longer you have been riding, the lower your rate could be.
  • Own Your Own Home- You can save up to 20% when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
  • Multiple Bike Discount- Insure more than one bike.
  • Package Discount- Save money when you also insure your home, auto or boat as well!
  • Is your bike equipped with anti-lock brakes and airbag?
  • Do you have a theft recovery device on your bike? 
  • Are you an AARP member?

More ways to save on Motorcycle Insurance

Maintain good credit. 

Keep a clean driving record. 

Make a claim-free renewal.

Increase your deductible.

Pay your bill in full when you start or renew your policy instead of making monthly payments.

Give Carriage Insurance a call when you need coverage for your bike so we can help find the right coverage for you. – talk to us today {link to Contact Us page}

Motorcycle Flyer for Safeco
Motorcycle Flyer Progressive