Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
The Insurance Specialists Inc is proud to be the top choice in Des Moines for personalized motorcycle insurance. Our goal is to help you find quality insurance that is affordable.
Motorcycle insurance is essential for any bike owner to ensure their protection. If a rider is involved in an event of unexpected loss or damage, motorcycle insurance helps cover costs that may arise due to these events. We can help you customize a policy that fits your needs so you are protected.
To receive a quote, call us at 515-280-1207 or request your free quote now!
Common Motorcycle Insurance Questions
What is motorcycle insurance?
A motorcycle is a motorized vehicle that is in danger of encountering the same accident and operational hazards as any other vehicle. Yet, it is very different from a standard car or truck. Motorcycles have two wheels and require unique skills to operate. They also don’t give riders the same level of protection as a standard car.
Due to this, bikers need customized insurance coverage that can’t be found within a standard auto insurance plan. Motorcycle Insurance allows for owners to receive necessary protection to keep themselves and their vehicle protected in case of sudden loss.
Why do you need motorcycle insurance?
Under the standard motorcycle insurance policy, you will receive the assurance of financial assistance if you ever experience an unexpected, unpreventable loss involving your bike. This coverage will assist in paying for accident damage, settlements and other obstacles that may come your way. Whether you are on the road or parked on your driveway, this coverage will save you money and alleviate potential personal losses.
What does motorcycle insurance cover?
Motorcycle insurance includes a large array of benefits, which offer you protection against any obstacle you may encounter:
Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
Collision coverage: This provides compensation if the motorcycle is damaged or lost due to a collision with another vehicle or object.
Liability insurance: This covers bodily injury and property damage the insured biker may cause to others (IE other drivers) when they are at fault for an accident whenoperating the vehicle.
Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is atfault.
Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that might be available to you include:
Am I required to buy motorcycle insurance?
In Iowa motorcycle insurance is required, and you must carry at least the following coverage.
All Iowa motorcycle insurance policies must meet the following minimum requirements:
$20,000 bodily injury liability for the injury or death of a single person.
$40,000 bodily injury liability for the injury or death of two or more people.
$15,000 property damage liability coverage.
It may be required for bikers who have financed their bikes to purchase collision, comprehensive, gap or other physical damage insurance in agreement with lender rules.
It is encouraged for you to have more than the lowest level of coverage on your policy, and we specialize in assisting you in determining which level of coverage is best for you.
What does motorcycle insurance cost?
Various factor can impact the price of your motorcycle policy, including:
Your chosen coverage limits
The value of your bike
Your driving accident history
Your history of claims on other motorcycle policies