Steamboat Springs Motorcycle Insurance

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Yampa Valley Insurance Agency, we have a variety of motorcycle policy options to meet your needs.

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Frequently Asked Questions

What does a standard motorcycle insurance policy cover?

Motorcycle insurance is no different than car insurance. In Colorado, bikers are required to have liability coverage first. However, all other coverage plans are optional. You can expect a typical Steamboat Springs motorcycle insurance policy to provide with the following coverage:

Liability coverage

This is the type of coverage that is required as a must. It is designed to cover all third-party injuries and property damage if you prove to be responsible for an accident while out on your bike.

Collision coverage

This is the bike insurance designed to cover for the damage caused to your motorcycle by a collision or accident, regardless of fault. You can purchase replacement value or actual value coverage to your bike in the case of a total loss.

Comprehensive insurance

Many times, motorcycles get damaged in non-collision events like flood or tornado, comprehensive insurance covers for such type of incidents. If your bike gets stolen, it can also compensate for that loss. Similar to collision insurance, you can purchase either the actual value or replacement value coverage.

Personal injury protection coverage

This type of coverage is designed to take care of the medical treatment of the biker and the passenger if they get injured in a motorcycle accident.

Accessory coverage

Biking enthusiasts have many accessories and equipment customized to their motorcycles. If you are one of those bikers, this insurance policy is for you. It can also add to your bike’s assessed value if it is deemed a complete loss due to any sort of incident or damage.

Uninsured motorist coverage

If an uninsured driver or biker hits your motorcycle while you are out on the road, uninsured motorist coverage can cover your damage and medical treatment without needing you to sue the at-fault driver. Your insurance company will take on the burden of collecting from the uninsured driver instead.

Towing and roadside assistance coverage

If your motorcycle gets damaged while out on the road, you don’t have to worry about the cost of mechanical or towing assistance if you have this optional coverage.

Your local Steamboat Springs Yampa Valley Insurance Agency agent can further help you with the coverage options. You can get the quotes of your desired policy and see how much it will cost you to add each coverage type to your insurance plan.

Yampa Valley Insurance Agency specializes in auto, home, & life insurance, restaurant & business insurance, contractor, trucking & moving company insurance, apartment & condo insurance, & home healthcare insurance for all of Colorado, including Steamboat Springs, Craig, and Silverthorne.

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