GEICO Insurance for Motorcycles: Why You Need It

There’s no better feeling than cruising down the open road on your motorcycle. But even the most experienced riders can’t avoid accidents. That’s why it’s crucial to have motorcycle insurance, and GEICO is a great option for bikers. In this article, we’ll dive into the benefits and features of GEICO motorcycle insurance and why you should consider purchasing it.

What is GEICO Insurance for Motorcycles?

GEICO is a well-known insurer that specializes in auto, home, and motorcycle insurance. GEICO motorcycle insurance covers a wide variety of bikes, from cruisers to sport bikes to dirt bikes, and protects you in the event of an accident or theft.

GEICO’s motorcycle insurance policies provide coverage for:

• Bodily injury and property damage liability
• Collision and comprehensive coverage
• Uninsured/underinsured motorist coverage
• Medical payments coverage
• Custom parts and equipment coverage

Let’s take a closer look at each type of coverage.

Bodily Injury and Property Damage Liability

Bodily injury and property damage liability coverage is required in most states. It covers the cost of damages and injuries that you may cause to other people or their property in an accident. GEICO’s liability coverage includes:

It’s important to note that liability coverage does not cover your own injuries or damages to your own motorcycle. For that, you’ll need collision and/or comprehensive coverage.

Collision and Comprehensive Coverage

Collision coverage pays for damages to your bike if you’re involved in an accident. Comprehensive coverage covers damages to your bike that aren’t caused by an accident, such as theft, vandalism, or weather-related damage. GEICO’s collision and comprehensive coverage includes:

You can choose your deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. The higher your deductible, the lower your monthly premium will be.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages. This coverage is required in some states and optional in others. GEICO’s uninsured/underinsured motorist coverage includes:

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers if you’re involved in an accident. GEICO’s medical payments coverage includes:

This coverage is optional, but it’s a good idea to have it, especially if you don’t have health insurance.

Custom Parts and Equipment Coverage

If you’ve customized your bike with aftermarket parts, you can add custom parts and equipment coverage to your GEICO motorcycle insurance policy. This coverage protects your aftermarket parts and accessories, such as a custom exhaust system or saddlebags. GEICO’s custom parts and equipment coverage includes:

It’s important to keep receipts and documentation of your aftermarket parts in case you need to file a claim.

Why Choose GEICO Motorcycle Insurance?

There are many reasons why GEICO is a great choice for motorcycle insurance:

• Competitive rates: GEICO offers affordable rates for motorcycle insurance, often beating out other insurers.
• Discounts: GEICO offers discounts for safe riders, multiple policies, and more.
• 24/7 customer service: You can reach GEICO’s customer service team at any time, day or night.
• Easy claims process: GEICO’s online claims process is quick and easy.
• Flexible payment options: You can choose to pay your premiums monthly, quarterly, or annually.

Overall, GEICO is a reliable and trustworthy insurer with a strong reputation for customer service and competitive rates.

Frequently Asked Questions

What types of motorcycles does GEICO insure?

GEICO insures a wide variety of bikes, including cruisers, sport bikes, touring bikes, dirt bikes, and more. You can check their website or speak with an agent to see if your specific bike is covered.

Do I need motorcycle insurance?

Yes, most states require motorcycle insurance. Even if it’s not required in your state, it’s still a good idea to have insurance to protect yourself and your bike in the event of an accident or theft.

What factors affect my motorcycle insurance rates?

Several factors can affect your motorcycle insurance rates, including your age, driving record, the make and model of your bike, your location, and more. You can speak with a GEICO agent to get a personalized quote.

What should I do if I’m involved in a motorcycle accident?

If you’re involved in an accident, first make sure everyone is safe and call 911 if necessary. Exchange information with all parties involved, including names, phone numbers, and insurance information. Take photos of the accident scene, including any damages to your bike and other vehicles. Finally, contact GEICO to file a claim.

Can I customize my GEICO motorcycle insurance policy?

Yes, you can customize your GEICO motorcycle insurance policy to fit your specific needs. You can add or remove coverage types, choose your deductible, and more. Speak with a GEICO agent to learn more.

How do I get a quote for GEICO motorcycle insurance?

You can get a quote for GEICO motorcycle insurance by visiting their website, calling their customer service team, or speaking with an agent in person.

Conclusion

If you own a motorcycle, having insurance is a must. GEICO offers comprehensive coverage options at competitive rates, making it a great choice for bikers. With their 24/7 customer service and easy claims process, you can rest easy knowing that you’re covered in the event of an accident or theft. Contact GEICO today to get a personalized quote and protect yourself and your bike.