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Motorcycle Insurance Agency
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7300 N. Western Ave.
Chicago, IL 60645
tel: (773) 761-8800
fax: (773) 761-6932
 Motorcycle/ATV Insurance

What to Look For in a Motorcycle Insurance Policy

 2010 BMW R 1200 RT

If you think your motorcycle is adequately covered when you add it through an endorsement on your automobile policy, chances are you’re mistaken...a lesson that you don't want to learn first-hand come claim time. You need an insurance policy that offers the coverage’s that are important to your specific bike and lifestyle.

Here are some things to look for when choosing a specialized insurance policy for your motorcycle:

  • Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident.

  • Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacture.

  • Optional Towing and Roadside Assistance in case your bikes breaks down and can’t be ridden when you're away from home because you run out of gas, get a flat, or have other mechanical issues.

  • Optional Replacement Cost Coverage on bikes purchased new and insured within 30 days.

  • Flexible payment plans so you can choose the plan that best fits your budget.

  • Deductible and coverage limit options.

  • Premium discounts.

Medical coverage on the driver

Make sure you have proper health and accident insurance for you the driver.  You are not automatically covered for health insurance on motorcycle policies.  Make sure that your health insurance provider will cover you while driving your bike and if not, add this coverage to your policy.

Guest Passenger Insurance

Don't forget to add guest coverage to your policy.  Anyone one riding on the back of your motorcycle or in a sidecar rig has the capacity to sue you for their injuries while a passenger on your vehicle.  Be sure to add this coverage to your policy if you ever carry a passenger.

Family members - passenger coverage

Your spouse and children are considered First party in law to you and can not legally sue you for their injuries while a passenger on your bike.  You have to provide a separate health insurance policy for them.  Make sure you purchase this policy and that your health insurance provider will cover them when riding on your bike.


Motorcycle Safety Motorcycle Safety Tips

When you’re on the Road, Put Safety First!

Know the law.

Check with the area Department of Motor Vehicles to find out what the laws say about operating your vehicle, required safety gear and where you will be riding.

Be prepared.

Make sure you and your bike are properly licensed and insured. And don’t take unnecessary risks with unfavorable road conditions such as wet pavement. Oils from other vehicles and moisture make pavement very slick. Read and carry your owner’s manual along with a small tool kit when you’re riding.

Gear up.

Always be sure you and your passengers wear protective gear. A helmet, eye protection, a sturdy jacket, long pants, boots and gloves are your best bet for optimum protection. Review proper riding techniques with your passengers.

Stand out.

Brightly colored clothing can help make other drivers aware of you. While you’re riding, use your headlight, avoid other vehicles’ blind spots, drive carefully and be prepared to use your horn.

Distance yourself.

Always leave enough space between you and the vehicle in front of you. That might be your only way out if the car behind you fails to stop in time. When turning, start on the outside of the curve to give yourself additional visibility and increase your safe space.

Position yourself.

Make the left wheel track of a 4-wheeled vehicle your main lane position. However, when following another vehicle or coming to a stop, move to the right so you are more conspicuous and have space to exit if you need it.

Ride defensively.

Most collisions occur because the driver of the car didn’t see the motorcycle. That’s why it pays to scan around you – in front,   to the side and behind. Note what’s around you and be prepared to react. Watch for cars waiting to turn left across your path at intersections.

Be Sharp.

Ride only when your senses are sharp. Never do drugs or drink and then drive.  Up to 45% of all fatal motorcycle accidents involve alcohol. Always take time to get enough rest when out on long trips.

Check it out.

Make sure your bike is running properly before riding. Always check mirrors, tire pressure, fuel level, gauges and suspension. Follow the recommended service schedule for your bike, and be sure to have all repairs made by an authorized service provider.


Find a safe place or low traffic area to practice braking, turning and improving your reaction time, especially if you’re a new rider.  Practice helps to hone your skills and make you a better – and safer – rider.


Motorcycle Tips

Are you a New Rider? Take a Motorcycle Training Course

If you're new to riding, then take an approved MSF Rider Training Course. Not only will you be a better rider for it, but you could be eligible for a discount that will lower your motorcycle insurance premium.

Ride carefully

It likely comes as no surprise that multiple tickets and accidents will increase how much you pay in motorcycle insurance coverage. With a bad record, you can find yourself paying much higher insurance premiums over the years.

Equip Your Bike with an Anti-theft Device

There are a wide range of anti-theft devices designed specifically for motorcycles, and some insurance companies will offer you a discount if you have an approved one installed on your bike.

Ride a Bike That Costs Less to insure

The type of bike you choose will affect your motorcycle insurance rate. For example, avoid motorcycles that are attractive to thieves because a bike known to be a target will likely cost more to insure.

Ask About Discounts

While the availability of discounts will vary depending on your insurer, where you live and whether you meet the eligibility requirements, asking about them could save you significant money. Common discounts include the multi-vehicle discount (for those with more than one motorcycle), the multi-line discount (for those who want to insure their auto or home), and the discount for belonging to a recognized motorcycle club or association.

Medical Coverage on Passengers

Increase your Deductibles

Insurance was really meant to cover you for damages you could never afford on your own. So keeping in mind the value of your bike, raise them as high as you can afford knowing that the deductible is how much you'll have to cover if you need to submit a claim.

While riding in Canada…

Your insurance coverage is usually good only while traveling in the United States only. If you are traveling to Canada, call you agent for a Canada Card. This will cover you while traveling through Canada. Your agent can not produce the card in his office. The Canadian officials will not accept a photo copy or fax of this card. It has to be issued by the company directly and usually takes two to three business weeks before you receive it.

While riding in Mexico

Most insurance policies will not cover riding out of the United States or Canada. If you go to Mexico or any of the countries south of the border, you will have to purchase policies at the border or from specialty companies that specialize in this type of insurance.

Cancelling Your Motorcycle Policy at the end of the riding season will not save you money

Motorcycle insurance is seasonal and the premiums are seasonally adjusted. If you cancel the insurance for the winter you will not get any premium refunded.  As a matter of fact, depending on the program you are on, you may actually owe the company money because you lost the full year discount when you canceled the policy.

Shop around for insurance before buying to save money

Motorcycle insurance rates vary across insurers so don't assume the first quote you get is the best quote you'll get. We have five A rated carriers that offer completive pricing. Call us for a quote!

ATV Tips

Rider on ATV Training Course 

1. Cover your ATV with the right policy

If your ATV is covered under a homeowner's policy, you may not be as protected as you think. Many riders don't realize that ATV damage usually is not covered under a homeowner's policy if the ATV is driven off the insured individual's property. Companies that I represent, have stand-alone policies for ATVs that keep you covered on and off your property.  Also, if you drive your ATV off of your property, you may be violating state laws. In some states, you have to have at least a liability policy if your vehicle is driven at any time on a public road. That includes crossing from one private property to another one across a public road.

2. Take a safety course

These courses will take you through every step of riding, from unloading your vehicle to riding tough trails. Many companies offer policy discounts for riders who have completed a safety course.

3. Protect the extras

If you're adding a personal touch to your ATV, check on insurance coverage first. Some policies include custom equipment as part of the standard coverage – a big benefit if you are investing in costly upgrades. Also, if you do add extra goodies to your ATV, remember to keep the receipts and take pictures. In the event of a claim, no receipts, no pay off on the custom parts and accessories.


ATV Safety Tips

ATVs are not toys! They are powerful and potentially dangerous vehicles.

ATVs can travel at speeds in excess of 60 miles per hour and can weigh in excess of 700 pounds. Be careful while operating one.

ATVs can easily roll and tip over. Their unpredictable nature in off-road conditions makes training and proper use essential.

In 2003, there were an estimated 700 deaths associated with ATVs, including 140 reported deaths that involved children. In 2004, an estimated 136,000 ATV-related injuries were treated in hospital emergency rooms. All riders should always wear a helmet when on an ATV.

About one-third of ATV-related deaths and injuries involve children. Anyone younger than 16 years of age should never be on an adult ATV.

Stay off paved roads and avoid unfamiliar terrain.

Never carry a passenger on a single-rider ATV.

Do not drive an ATV while under the influence of alcohol or drugs.

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