Motorcycle Insurance

Motorcycle Insurance Maryland: The Thrill Without the Large Bill

Better coverage means peace of mind.

Getting your ride is generally one of the most exhilarating times in your life.

If you feel a good motorcycle insurance plan is a ‘wasted’ expense, reconsider that thought. Insurance coverage is much more about dealing with the specific hazards of street riding. And knowing that a severe body trauma bike crash occurs every 6 minutes in America should make you want to be covered as best you can be.

Bike burglary is additionally on the rise—and only 20-25% of motorcycles that are stolen are ever located and recovered.


Without being insured, it just takes one incident to potentially empty your savings, and hinder your ability to pay health-related costs on your own.

Great motorcycle insurance coverage may just be the best ‘accessory’ you ever get for your bike.

Motorcycle coverage options:

There are state-mandated minimums, of course, but we recommend you consider other insurance options, which are reasonably priced protections that can make a future incident much easier to take, like:

  • Additional Liability Coverage should be considered. Having both liability insurance for others, and uninsured motorist coverage at higher limits, you place a better hedge of protection against financial loss.
  • Collision covers you when the accident is your fault.  This insurance pays (less any deductible) to repair your motorcycle.
  • Comprehensive protects your investment against fire, vandalism, theft, hail damage, storms, and other non-traffic incidents.
  • Roadside Assistance can be a life-saver if you ever break down far from home. Roadside assistance covers jumps, gas, or towing your bike home or to the nearest repair shop.
  • Bike Accessories Coverage will replace or repair expensive customization and accessories on your bike.
  • Total Loss Insurance pays to replace your bike with a new one, not just give you current (lower) fair market value.
  • Trip Interruption Coverage helps cover hotel, food and a alternate transportation when a breakdown or a covered loss occurs more than 100 miles from home.
  • On Road Insurance for off road vehicles protects your dirt bike or ATV while on the road—highly recommended.

We find you additional discounts:

As a Harford County independent insurance brokers, we use several A+ rated carriers to ensure you get the very best coverage in motorcycle insurance, and the lowest premiums. You may qualify for specific discounts, including:

  • Reduced fees for Harley Davidson’s
  • LoJack discount
  • Safety course discount
  • Motorcycle endorsement discount
  • Multi-policy discount for combining with homeowner insurance or other vehicles