Military Motorcycle Insurance

As a service member, you have probably run into difficulty insuring your motorcycle at some point. Some of those issues may have included:  companies that do not offer coverage to service members, do not operate in every state (so you are forced to change companies when transferred), or companies that do not offer insurance internationally. To help determine the best motorcycle insurance for military service members, we have tracked down three that offer the widest variety of coverages and have solid A+ ratings to back their policies. First things first, though. Let’s have a look at some of the coverages you should have on your motorcycle.

Recommended Coverage for Military Riders

Every state has minimum policy requirements that have to be met by the drivers and riders registered in the state. In most cases, that is a liability policy that will barely cover you, your bike, and a passenger in a minor accident. If someone is seriously injured, you may be left with overwhelming medical and legal bills to pay out of pocket. To prevent that, we would recommend the following coverages:

• Collision coverage: this protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, take care to add it.
• Uninsured/Under-insured motorist coverage: motorcycle insurance is required in nearly every state in the U.S., but statistics show that an average of 15 percent of the drivers/riders in the country do not have the required coverage. With so many uninsured motorists on the roads you can understand the need for uninsured motorist coverage. The under-insured aspect of the policy protects you in case the other driver only has liability coverage and damages from the accident are extensive, exceeding the limits on their policy.
• Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.
• Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.
• Medical payment coverage: this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses.
• Accessories coverage: this coverage protects items such as: saddlebags, backrests, seats, and chrome pieces, but not helmets. Some insurers require that you have comprehensive or collision coverage in force in order to have an accessories policy.
• Custom parts coverage: this will cover items that are unique like handmade tanks and pipes.

Best Motorcycle Insurance for Military Service Members

USAA Motorcycle Insurance

USAA gears its coverages toward military members and their families. The company was founded by servicemembers in 1922 when a group of Army officers could not find coverage anywhere else. Today, USAA offers motorcycle insurance in all 50 states and Washington, DC, as well as some international bases. A few perks offered by the company include:

• 15% discount on comprehensive policies if you garage your vehicle on base.
• Flexible payment schedule based on your pay schedule…at no charge.
• Accident forgiveness program for good drivers.

GEICO Motorcycle Insurance

An insurance company named Government Employees Insurance Company should offer great coverage for service members, right? GEICO has been offering coverage to military members since 1936 and has a dedicated Military Center in Virginia that is staffed with current and former military family members to better serve servicemember’s needs. Coverage is available in all 50 states and Washington, DC. GEICO offers a few discounts to service members only, such as:

• Discounts of up to 15 percent on total insurance premiums.
• Emergency deployment discounts.

Armed Forces Motorcycle Insurance

Armed Forces Insurance is a small, but reliable company. It is owned by policyholders, but a limited direct reach of just 10 states. To increase its coverage radius, AFI has partnered with Progressive to offer coverage in an additional 28 states. The company offers all of the standard coverages that you will need, but other perks include:

• 15% discount on comprehensive policies if you garage your vehicle on base.
• Accident prevention course.
• Various discounts for safety equipment.

We have created an easy to use tool so that service members can get quotes for the motorcycle insurance that they need. All you have to do is enter your rider and motorcycle information once and you will receive quotes from Progressive and Geico.