Motorcycle Insurance Gilbert (AZ)

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Arizona is a fantastic state for motorcyclists, but insurance can be really expensive. So that you can spend less and ride more, we have teamed up with motorcycle insurance carriers who meet the needs of Gilbert riders. Whether you’re an expert rider or new to two wheels, you can find the coverage you need–online. Simply key in your zip code to find out which insurers serve motorcyclists in Gilbert.

Motorcycle Insurance Laws and Regulations

Arizona has imposed minimum liability limits for motorcycle owners. Liability insurance indemnifies the insured for sums he could be required by law to pay to third parties as damages for bodily injury or damage to property. Your liability insurance will need to satisfy or exceed certain minimum caps established by the state of Arizona.

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  • $15,000: Liability Coverage for Personal Injuries of a Single Person in an Accident
  • $30,000: Liability Coverage for Personal Injury to All People in an Accident
  • $10,000: Liability Coverage for Damage to Property

On one hand, less coverage will equate to less expensive motorcycle insurance. Then again, less coverage will mean more risk that your insurance payout will not cover your total medical expenses if you injure or are injured by another driver. Keep in mind that the cost of medical care and personal property often inflates faster than legislation gets changed.

Keeping Your Premiums Affordable

Insurance rates can be very high, particularly when you ride a sport bike or Harley-Davidson. You’ve got a couple of options.

As you likely know, the type, age, and size of the bike you’re insuring will mainly determine your insurance premiums. Superbikes often have absurdly high insurance premiums, while dual-sports and cruisers are comparatively cheap. Most insurance companies offer significant discounts for those who go through a Motorcycle Safety Foundation Course, often up to 20%. A lay up policy–in which you don’t pay very much for coverage during the cold months–is a good option for many weekend warriors.

You can ask your insurance carrier if they offer such policies.

Motorcycle Insurance Rates in Gilbert

It’s hard to predict the cost of coverage without taking into consideration a number of important factors. Most bikers only think about the type of bike they ride and their driving record, but variables such as location, coverage options and limits, extra protections, and discount rates all impact one’s rates. Fortunately, we work with most of the popular insurance companies that cover motorcycles in Gilbert. They can offer you rates and quotes online.

When you enter in your zip code, you’ll find a list of trusted motorcycle insurance carriers in Gilbert. After that, you can pick the insurance carriers that interest you.

Motorcycle Classes

You can insure nearly all types of motorcycles, from v-twin cruisers and sport bikes to cafe racers and customs–even dirt bikes and four-wheelers.

  • Sportbikes: No doubt, these can be incredibly costly to insure. Insurance companies charge so much for sport bikes because sport bikes are astonishingly fast and accident-prone. Your driving history will have a deep impact on the cost of insuring your bike. Countless sport riders neglect to invest in anything more than liability coverage, in an effort to save money. However, this is not a good idea, as the bodywork of these bikes can be very expensive to replace.
  • Choppers and Bobbers: Gilbert, like a lot of Arizona, has a sizeable custom bike scene. If your motorcycle you own a heavily customized bike, you should look at Custom Parts and Equipment coverage (CPE). Without this coverage, the replacement of most custom or aftermarket parts aren’t covered in case of an accident. Rather, you’ll only be paid the current value of a bone-stock bike of the same age, make, and model.
  • Scooters: Remember to cover your scooter. In most cases, insuring a scooter is easy on the budget, and worth the cost in the event of a collision.
  • All-Terrain Vehicles and Dirt Bikes: Reach out to the off-road vehicle parks and trail networks in your area. Some form of coverage might actually be required. The good news is, this type of coverage is normally quite affordable.

AZ Coverage

Rates & Policies Online

Enter Zip Code