Motorcycle, RV, Boats and ATV's
Our agency partners with the #1 motorcycle insurer in the country!
The proof is in the protection. We offer a wide range of carriers and coverages to give you peace of mind and protect your bike. Many of these coverage types are automatically included at no extra cost.
Compare motorcycle insurance coverage options and prices with up to 10 carriers that specialize in motorcycle coverage and see why customers choose Cribb Insurance.
COVERAGES THAT ARE AUTOMATICALLY INCLUDED
The following coverages come standard with some of our carriers.
Full replacement cost and no depreciation
Our carriers will always return your bike to pre-accident condition or better.
Example: Suppose the bike you bought for $20,000 is now only worth $17,000. If it's totaled, and the latest model costs $22,000 or more, we'll give you $20,000+. If your bike is no longer eligible for total loss coverage at renewal, your policy still covers the actual cash value for what it's currently worth.
Accessories and custom parts/equipment
You'll choose the amount you need to re-customize or restore your bike. Some carriers will automatically include up to $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories. If that's not enough, you can purchase up to $30,000 in coverage. Keep in mind, as you make upgrades to your bike, you may want to increase your accessory coverage limit so you'll be adequately protected.
Example: A few months after you bought your bike, you added a custom, diamond-stitch seat to your ride. If it's damaged in an accident, your accessory coverage will replace the seat. A deductible applies.
If you have Original Equipment Manufacturer (OEM) parts in your bike, we'll always use OEM parts in repairs. Or if you have custom parts, we'll use custom parts in repairs. With OEM parts coverage, you're always covered with the same or better parts. This coverage is included if you add comprehensive and collision.
Example: Your headlight is damaged in an accident. We'll replace it with one from the original manufacturer.
STANDARD MOTORCYCLE COVERAGES
These are the basic protections when it comes to motorcycle insurance:
Bodily injury and property damage liability (BI/PD)
Pays for damages to other vehicles and injuries to others if you're liable in a motorcycle accident, as well as legal expenses if you're sued. Bodily injury coverage is mandatory in almost every state.
Example: You're at fault in an accident with another motorcycle, injuring the rider and damaging their bike. We'll pay for both the rider's injuries and damages to their bike up to your policy's limits.
Uninsured/underinsured motorist (UM/UIM)
What happens if someone who doesn't have insurance hits you? Sometimes, they'll pay out of pocket for damages. But if they can't, UM/UIM pays for your medical bills, damages to your motorcycle, and lost wages if you can't work.
Example: You're blindsided by a driver with no insurance and no way to pay for the injuries they've caused. UM/UIM coverage will pay for your injuries up to the limits of your policy.
Comprehensive and collision
Comprehensive pays to repair or replace your motorcycle if it's stolen, vandalized or damaged in a fire or collision with an animal. Collision coverage pays to repair or replace your bike if its damaged in an accident. You'll be able to choose your deductible amount for comprehensive and collision.
Example: You're in a collision with a deer and your motorcycle is totaled. Comprehensive coverage will pay for the actual cash value of the bike, minus any deductible.
Pays for you and your passengers' medical bills if you're in an accident, regardless of fault.
Example: If you fall off your bike and break your arm. Maybe, you don't have health insurance but your policy's medical payments will cover your medical bill up to specified limits.
Best explained as optional motorcycle insurance coverages but popular with our customers
Total loss coverage for a new motorcycle
Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If your bike is totaled, we'll give you the full manufacturer's suggested retail price for a brand new bike, minus the deductible on your policy.
Roadside assistance and trip interruption
If your bike is disabled anywhere in the United States or Canada, our roadside assistance program will tow your bike to the nearest repair shop for free. You can also add trip interruption to pay for food, hotel or transportation up to $500 if you're away from home.
Covers personal belongings that you carry on your bike if they're lost, stolen, or damaged including phones, tablets, camping equipment and hunting gear.
How Much Is Motorcycle Insurance on Average?
Owning a motorcycle is almost no different than owning a car. What is different, however, is the type of insurance you’ll need. While motorcycle insurance is mandatory just like car insurance, the cost may differ.
Here’s what you need to know about the factors that go into determining the cost of motorcycle insurance.
To start, there is no set average cost of motorcycle insurance. The average cost depends on a few factors, one of which is location. The average cost varies by state, with some being cheaper than others. For instance, California’s monthly rate is the highest as it clocks in at $113 while North Dakota has the lowest at $32.
Be sure to review your state’s guidelines to know how much you’ll have to pay.
Your driving history and the length of time you've been allowed to drive can also impact your rates. If your driving history has a few blemishes, it could increase your monthly premium. Drivers who are considered high risk will ultimately pay more on their insurance premiums. However, if you have a clean driving record, you may be eligible for a discount.
Age is another factor that insurers must take into account when determining your motorcycle insurance premiums. Younger people, specifically teenagers, are more likely to have higher premiums due to their inexperience and blank driving record. They’ll have to prove to the insurance company that they can be trusted before they see a price reduction.
It's illegal to drive a motorcycle without appropriate insurance coverage. Before making a final decision, shop around and compare several policies to get the best deal.
Looking for full coverage motorcycle insurance?
The term "full coverage" means something different to everyone, but often refers to carrying basic liability as well as physical damage coverage (comprehensive and collision). The amount of coverage that's right for you will depend on many factors, including the value of your bike and whether it is being financed. If you're unsure about what you need, call us and speak with a licensed representative about recommended motorcycle insurance coverages.