Young & Associates Insurance specializes in Motorcycle Insurance in Duluth, Superior, Hermantown, Proctor and surrounding areas in Minnesota and Wisconsin.
Looking for coverage? Quickly and easily submit an application for a motorcycle insurance quote! We will design a custom, comprehensive protection program to fit your unique needs...always looking for the best value.
Why do you need motorcycle insurance?
First of all, it is required in Minnesota and Wisconsin to carry certain types of motorcycle insurance coverage. Contact Young & Associates Insurance to find out what coverages are required in Duluth and throughout Minnesota and Wisconsin to make sure you are adequately protected.
Second, you'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.
A motorcycle insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a motorcycle, your lender may also have requirements. Ask your Young & Associates Insurance agent to explain all the differences and options.
What questions should you ask yourself and your agent when designing your protection program?
Young & Associates Insurance is your advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? Ask your agent what your cost savings would be if you raised your deductible.
- What discounts and programs are available? Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.
- What's the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.
Tips for the cost-conscious rider.
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own or being a graduate of a rider-training course.
- Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
- Find out what discounts Young & Associates Insurance offers. Multi-bike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the policy and your state. Availability and qualifications for discounts vary from policy to policy and state to state.
- Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Ask your Young & Associates Insurance agent to walk you through all the factors that apply to Duluth and throughout the surrounding areas in Minnesota and Wisconsin.