What is Motorcycle Insurance?
Motorcycles provide a unique sense of freedom like no other vehicle and they must be insured differently too. Motorcycle insurance consists of multiple coverages that provide protection in different situations and these coverages are not a “one size fits all.” In addition, there are several other types of vehicles that may need to be insured, including scooters, ATVs, side by sides, golf carts, and snowmobiles. We work with you to ensure that coverages and deductibles match your needs. As an independent agency, we can also provide you with the most competitive options from the companies we represent.
Other Types of Vehicles Covered
Sport Bikes
Cruisers
Choppers
Touring Bikes
Scooters
Trikes
ATVs
Side by Sides
Golf Carts
Snowmobiles
And More
Motorcycle Insurance Coverages
Bodily Injury Liability: Pays damages for bodily injury or death resulting from an accident for which you are at fault. Limits should be enough to cover a judgment against you in a lawsuit without jeopardizing your personal assets. You can obtain additional liability coverage through an Umbrella policy if needed.
Property Damage Liability: : Pays for damages to someone else’s property resulting from an accident for which you are at fault.
Medical Payments: Covers medical expenses for you and any passengers if you’re injured in an accident.
Uninsured and Underinsured Motorist: Protection to help compensate you for injuries or property damage caused by a driver without insurance or with insufficient coverage limits.
Comprehensive: Non-collision type accidents or claims causing damage to your vehicle. Examples include, but are not limited to, hail damage, hitting an animal, glass, theft, vandalism, flood, and fire. This coverage includes a deductible. The higher the deductible, the lower your premium will be.
Collision: Collision type accidents with another vehicle or object causing damage to your vehicle. This coverage includes a deductible. The higher the deductible, the lower your premium will be.
Accessory Coverage: Provides protection for additions, enhancements, or modifications to the vehicle that are not factory-installed, including electronic equipment, sidecars, trailers, trike conversion kits, custom paint, plating or exhaust, or mower blades.
Carried Contents: Pay for insured’s owned personal property that is damaged, destroyed, or stolen while using the vehicle. These can include phones, hunting or fishing gear, camping gear, and more.
Additional Options: Most popular include rental reimbursement, roadside assistance, towing, trip interruption, and loan or lease gap coverage.
Company Specific Options: As an independent agency, we have multiple company options to find you the best value and features. Many companies offer options such as safety riding apparel coverage, total loss coverage, accident and violation forgiveness, diminishing deductibles, full glass deductibles, pay in full discounts, automatic payment discounts, paperless discounts, and more.
Yes, passengers would be covered under your Medical Payments coverage, which includes you as a driver, as well as any passengers up to the policy selected coverage amount.
Yes, as long as you include comprehensive coverage when you insure your bike or vehicle. It also may include coverage for theft of personal property, including your safety riding apparel.
Yes, in addition to your motorcycle, you also get a certain amount of safety apparel coverage for your helmets, suits, gloves, boots, and other gear. You can also increase the policy limits with certain companies to ensure all of your accessories are covered.
Jeff Johnson Insurance Agency is an independent insurance agency, which allows us to quote a number of different companies to find you the best fit and the best price for your insurance needs. Benefits of working with us as independent agents include:
- Save time – we do the leg work for you to quote numerous options
- Offer choices – we aren’t a captive agency and limited to representing one company
- Offer Expert, Unbiased advice – we can quote numerous companies to find you the best fit and are not biased to steer you to a single company
- Save money – with so many options to quote, we can find you the best value for your money
- Forge a long term relationship – if your company loses its competitiveness over the years, we can requote you with all of our other options and keep you as a customer as your agent
Jeff Johnson Insurance Agency is affiliated with Atlas Insurance Brokers, LLC, which is based out of Rochester, Minnesota. Atlas provides services for over 100 agencies throughout Minnesota and Iowa. The affiliation gives our Agency greater flexibility and a number of options to provide you the most cost-effective and comprehensive insurance packages and provide you with the best fit for your needs.
If you have an accident or claim you can contact Jeff or Dan at Jeff Johnson Insurance Agency and they can assist you through the process or you can contact the company you are insured with using their 800 contact information on our Customer Service page.
Quick Contact
495 SE Alice’s Rd., Suite C
Waukee, Ia. 50263
515-987-6993
495 SE Alice’s Rd., Suite C
Waukee, Ia. 50263
515-987-6993
