Motorcycle Insurance

Ride with Confidence

From Cruisers and choppers to dirt bikes and scooters, Sterling Insurance Group has got you covered. We understand the unique needs of riders of all types, from weekend warriors to weekend racers, we ask the right questions in order to make sure you and your bike are covered. Things like safety and security features, wearing a helmet or multi-vehicle coverage can save you money on your motorcycle insurance.

A motorcycle insurance policy provides funds to repair or replace your vehicle if it is damaged or destroyed by accident, fire, theft, or another covered event. Your motorcycle policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

Why do I need Motorcycle Insurance

A motorcycle insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific accident-related financial losses during the term of the policy.

In some states, to drive you must carry:

  • Liability coverage to pay for losses you cause others.
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from an a accident, regardless of fault.
  • Both coverages Liability and No-fault.

Even in states where coverage isn’t required, riders must, by law, be able to pay for losses they may cause others. Having insurance is the simplest way for most people to comply. Coverage for vehicle damage usually is necessary to finance a vehicle.

Motorcycle Comprehensive Coverage

Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God.” Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive motorcycle insurance. Like automobile collision insurance, comprehensive coverage will pay up to the fair market value of your motorcycle (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your motorcycle is financed.

Motorcycle Collision Coverage

Collision insurance coverage pays for damage caused to your vehicle in an accident, when you are “at fault”. A standard collision motorcycle insurance policy will pay for any repairs up to the fair market value of your motorcycle. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost.