Arizonans are fortunate enough to enjoy riding weather nearly year-round. Whether you use a moped for commuting or take your Chopper for long weekend rides, smart riders like you know how important it is to have quality motorcycle insurance that provides comprehensive protection against injuries, accidents, and lawsuits. At Jarosch Insurance, we offer just that – complete coverage against financial loss so you can enjoy the miles ahead without worrying about financial loss.
We work with insurers who provide coverage for many different types of bikes, including:
- Cruisers
- Touring bikes
- Choppers
- Sport bikes
- Trikes
- Scooters
- Mopeds
- And more
Motorcycle Insurance Options
Motorcycle insurance policies can look very different depending on the types of coverage and limits riders choose. Don’t base your choices on a guess, a requirement, or a price; instead, select your coverage based on your actual risks and what you stand to lose in an accident or other covered event. When you work with an independent agent, you are working with someone who can help you ask the right questions, such as:
- How many miles do you ride per year?
- How much is your bike worth?
- Where do you typically ride?
- Do you carry passengers?
- How much income, savings, and other assets could you lose in a lawsuit?
Ultimately, we recommend choosing the coverage that not only meets the requirements of lenders and Arizona state laws, but also the standards for providing you with complete protection when you ride. Your policy may include coverage for:
Property Damage and Bodily Injury Liability
Liability insurance is not only mandatory, but it could also save you tens or even hundreds of thousands of dollars if you cause an injury or property damage in an accident. Motorcycle insurance includes both property damage liability and bodily injury liability coverages. The first pays for damages you cause to another vehicle, storefront, home, or other structure while riding your motorcycle. The second covers medical bills, lost wages, and other injury-related expenses if you are sued by a victim after an accident.
Having the right property damage and bodily injury liability limits could mean the difference between walking away from an accident with no out-of-pocket financial responsibility or facing a life-altering debt that drains your nest egg and derails your financial future. It can even cover your court fees and the cost of hiring legal assistance if necessary.
Physical Damages
When your motorcycle is damaged in an accident or some other event, it can cost thousands of dollars to repair it. If it is stolen or a total loss, you could spend even more on a replacement bike. Why take a loss when insurance can reimburse you for your loss? If you financed your motorcycle, your lender may require you to add collision and comprehensive coverage to your policy, but even if you own your bike outright, we still recommend coverage that includes complete protection against physical damages.
Collision
Collision coverage compensates you for damages to your motorcycle when you are in an accident with another vehicle or object, such as a tree. It can also cover damages to your motorcycle if you are in a single-vehicle accident, such as a rollover. Collision claims are subject to your deductible, which you get to choose when purchasing your coverage.
Comprehensive
Comprehensive coverage compensates you for damages to your motorcycle when they are caused by non-collision events. This includes damages caused by wind, hail, vandals, fire, fallen objects, and more. It can also cover damages to your bike if a wild animal damages your bike or if you hit a deer in the middle of the night.
Special Equipment
If you protect your bike, you should protect all of it – including the after-market parts and upgrades. Talk to your agent about additional coverage for your chrome parts, custom paint job, and other enhancements if they are not already covered by your policy.
Uninsured/Underinsured Motorist (UM/UIM)
If you are injured by an uninsured driver or in a hit-and-run accident, you might have difficulty recovering compensation for your own medical bills. Uninsured motorist coverage helps pay for your injury-related expenses when an at-fault driver has no insurance. You can also purchase underinsured motorist coverage, which fills in the gaps when at-fault drivers have too little coverage to meet your needs.
Medical Payments
If you or a passenger is injured while riding, medical payments coverage offers limited compensation for necessary medical expenses, regardless of who was at-fault for the accident.
Roadside Assistance and Towing
If you find yourself on the side of the road with no gas, a flat tire, a dead battery, or a wrecked vehicle, make sure your insurance provides 24-7 coverage for roadside assistance, towing, and labor charges.
Rental Car Reimbursement
If you need to find alternative transportation after damaging your bike in an accident, rental car reimbursement can compensate you for the cost of renting a vehicle while your motorcycle is in the shop.
Motorcycle Insurance Discounts
If you qualify for discounts, Jarosch Insurance can help you find them. We know the types of habits insurers reward riders for and can help you find ways to maximize your savings. Examples of common motorcycle insurance discounts include:
- Low mileage discounts
- Layup discounts
- Mature rider discounts
- Rider’s association discounts
- Motorcycle and home bundling discounts
- Multiple vehicle discounts
- Claims-free and accident-free discounts
- Motorcycle safety course completion discounts
- And more
Free Arizona Motorcycle Insurance Quotes
At Jarosch Insurance, we’ve been helping motorcycle owners save money on insurance since 1977. We know the ins and outs of the industry, and as an independent agency, we can help you shop and compare rates on coverage from multiple insurers until you find that protection you need at a price you can afford. If you are in the market for motorcycle insurance, let us show you how using an independent agent can help you save. Contact us today to request your free quotes. We look forward to serving you soon.
