Whether you just bought a bike or you're ready to shop for a new policy, these frequently asked questions can help you find the insurance that fits you best.
General quote questions
Can I buy my motorcycle insurance policy online?
Yes. Visit our motorcycle insurance page to start a free quote and you'll be able to purchase a new policy directly online. You can customize your policy and qualify for discounts just as you would over the phone, and you'll be able to speak to an agent at any time.
What information should I have ready before I get my motorcycle insurance quote online or over the phone?
When you get a free motorcycle insurance quote, you should have the following information handy:
- Details of the bikes you want to insure, including age, make, model, mileage, and condition
- The names of the people you want to insure on your motorcycle policy and their driving histories
- Information about your current or most recent insurer
- Details of safety courses you completed or safety devices installed on a bike (these can help you qualify for additional savings)
I haven't bought my bike yet. Can I still get a motorcycle insurance quote?
Yes. As long as you know what type of bike you'd like to purchase, you can get a free motorcycle insurance quote. When you get your quote, you'll choose coverages, deductibles, and limits for the bike(s) you have in mind. If you're unsure about the exact make and model of motorcycle you'd like to buy, you can get ballpark figures of insurance costs for the different bikes you want.
Remember, motorcycle insurance rates are partially determined by the make, model, and year of the bike in question, so the more specific you can be about your bike, the more accurate your quote will be. And your policy's effective date can begin whenever you're ready.
When I get a motorcycle insurance quote, what factors should I compare to be sure I get the most coverage for my dollar?
You'll want to consider more than just the price of your policy when you get a motorcycle insurance quote. If you compare policies side by side, make sure the deductibles, limits, and optional coverages match up as well. That way you can compare apples to apples and see which policy fits you best.
Choosing higher deductibles generally translates into a lower insurance premium, but keep in mind that you'll be assuming added financial risk.
Limits work in a similar way. The lower the limits you choose on certain coverages, the lower your premium. If you do need to file a claim, however, you risk not having the amount of coverage you need.
When comparing motorcycle insurance companies, you should also look into the insurance provider's reputability and reliability rankings through trusted organizations like A.M. Best.
If I buy a motorcycle insurance policy today, when can I start my coverage?
You can specify your policy effective date during the quoting process.
If you were previously insured, make sure your prior policy's end date is on or after the new policy's start date to avoid a lapse in coverage.
How much does motorcycle insurance vary by state?
Motorcycle insurance offered through Esurance is available in all states, though not in Washington, D.C. Up to 5 riders and 4 bikes can be insured on the same policy.
Your insurance coverage options will vary depending on your state's insurance regulations. For example, certain coverages are not available in some states and may be required in other states, and legally required coverage minimums may differ from state to state as well.
How many bikes can I have on one motorcycle insurance policy?
Motorcycle insurance offered through Esurance gives you the option to insure up to 4 bikes on the same policy. Plus, when you insure more than one motorcycle on the same policy, you could qualify for a substantial discount.
How many riders can I insure on one motorcycle insurance policy?
Motorcycle insurance offered through Esurance allows you to insure up to 5 riders on the same policy.
Types of bikes insured
What types of bikes do you provide motorcycle insurance for?
Motorcycle insurance offered through Esurance covers 99 percent of bikes on the road, including:
- Traditional and standard
- Street sport
- Sport touring
- Dirt bikes
- Vintage bikes over 25 years old
So whether you ride a Harley Sportster or a Yamaha XT, chances are you can get a reliable, affordable motorcycle insurance policy through Esurance.
Do you provide insurance for custom bikes and motorcycles with modifications?
Yes, in most cases. Motorcycle insurance offered through Esurance covers 99 percent of bikes, including street bikes, cruisers, touring bikes, standard motorcycles, custom bikes, and motorcycles with modifications.
Whether your motorcycle is a ground-up custom bike or a bike decked out with all the bells and whistles, as long as it's listed in Kelley Blue Book or NADA, you can count on reliable motorcycle insurance coverage through Esurance.
Do you offer motorcycle insurance for bikes that were made from motorcycle kits?
Yes. However, physical damage coverage is unavailable for motorcycles made from kits.
I have a classic bike. Do you offer motorcycle insurance that covers classic, vintage, and antique bikes?
Yes. Motorcycle insurance offered through Esurance covers 99 percent of the bikes on the road, including classic, vintage, and antique bikes that are more than 25 years old.
You can easily specify the type of bike you own and customize a policy that fits your needs when you get a quote.
I have a young teen, 16 going on 17 years old, who is interested in getting a bike. Do you insure young motorcycle riders?
The motorcycle insurance offered through Esurance can cover any licensed rider. You'll be asked for each rider's date of birth when you get your quote.