Searching for Motorcycle or ATV Insurance?
Have a passion for motorcycles? Insuring your bike with Fred Simmons Insurance Agency you can save up to 15% on your auto insurance. At Fred Simmons Insurance, we make it easy by working with the best motorcycle insurance carriers in the country, like Progressive Insurance, the top carrier when it comes to motorcycle insurance. You can ride easy knowing your motorcycle insurance policy has you covered.
There is no better way to explore the outdoors than by jumping on an ATV and hitting the backcountry trails. These vehicles are growing in popularity as manufacturers are making them bigger and more powerful. And with this popularity, the All-Terrain Vehicle segment has been expanding beyond just the traditional saddle-seated one or two person four wheeled vehicle.
(Need auto insurance? We provide that too!)
Get a Customized Motorcycle or ATV Insurance Policy
At Fred Simmons Insurance Agency we will build a customized policy, specific to your needs. Our program can include full replacement cost, accessory coverage, comprehensive and collision coverage, bodily injury and property damage liability, medical payments, roadside assistance and more. Give us call today and we would be happy to discuss your options!
Coverage for Different Types of Bikes
Looking for a specific type of motorcycle insurance? Fred Simmons Insurance Agency has many options for your insurance needs. Whether you need coverage like motocross insurance, dirt bike insurance, scooter insurance, classic motorcycle insurance or insurance for trikes, we have an option for you. Give us a call and let us show you why so many in people in Ohio insure their motorcycles with Fred Simmons Insurance.
Motorcyclists: Be Prepared and Protected
Summer is around the corner and thoughts of riding around town on a motorcycle may have crossed your mind.
Whether you just bought a motorcycle or are a veteran rider, you might have a few questions about protecting your bike. What’s liability insurance? Do I need Comprehensive insurance? How can I make sure my custom chrome is covered?
Here are some tips that can help you navigate your motorcycle insurance policy and feel confident you’ve made the decision that’s right for you.
Pick the Right Insurance
First, determine how much insurance you’re required to have. Most states require liability insurance, which covers you if you cause an accident injuring another person or damaging someone’s property.
When picking your liability limits — the maximum an insurance company will pay in the event of that type of claim – a good rule of thumb is to review your car insurance and buy a policy with similar limits and deductibles, according to the experts at market-leader Progressive.
Once you choose liability limits, you may want to add insurance protecting your bike. Collision covers damages from accidents while Comprehensive covers damages caused by incidents like fire or theft. If you buy Collision or Comprehensive, you’ll need to select a deductible, the amount you’ll have to pay out-of-pocket if you have a claim. Be sure to pick an amount you can afford.
Insure Custom Parts
If you’ve added some serious chrome to your bike, gotten a custom paint job, or installed a GPS, consider additional accessory coverage. For example, Progressive usually includes $3,000 in accessory coverage when you purchase Comprehensive or Collision coverage. You also can buy more coverage up to $30,000.
If you like taking long rides into the country and are worried about breaking down in the middle of nowhere, consider Roadside Assistance.
Progressive also offers coverage that will pay up to $500 for lodging, transportation and food if your bike has a mechanical breakdown more than 100 miles from home. Most customers can add both coverages to their policy for just $15 a year.