Motorcycle Insurance

Twin Peaks Insurance knows bikers and we understand how important your ride is to you.  That's why we work with underwriters who know about riding the open road and who select specialized claims adjusters who deal specifically with motorcycles.

Twin Peaks Insurance offers motorcycle coverage through specialty underwriters on a wide range of motorcycles including touring bikes, sport bikes, cruisers, three-wheeled trike conversions, scooters, custom and vintage (more than 25 years old).

Policy Features*

Some of our available policies features include:

• Diminishing Deductibles - 25% each claim free year

• Deductible waiver - if less than 50% at fault

• Enhanced Rental - Coverage for Rental Motorcycles

• Total Loss Replacement-Replaces motorcycle up  to 5 years old with new comparably equipped bike.

• Helmets & Safety apparel - $2,500 (collision losses)

• First Accident Waiver

• $500 Additional Medical payments (for DOT approved helmets)

• Optional Equipment up to $3,500 Actual Cash Value

• Towing and Roadside - Reasonable expense

• Trip Interruption - $1,000 over 7 days of lodging, meals, transportation cost (covered loss)

• Track Day Coverage

• Parade Day Coverage

*Not all features are available in all states, risks, packages, and/or vehicle types.  Call your agent for more details 800-507-8467.

Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road 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 motorcycle 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 motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent
Twin Peaks Insurance  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 motorcycle is in an accident, damaged or stolen? (We can discuss what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Let's talk about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
• 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 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.
• We are happy to discuss discounts available for your usage. 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.