Motorcycle Insurance
At Pronto Auto Insurance, we shop around and try to find you the absolute LOWEST motorcycle insurance rates available.
Motorcycle Insurance Before You Put on That Helmet!
ATV’s (Dirt Bikes)
Customized Motorcycles
Street Bikes
Liability and comprehensive and collision coverage
What typically does motorcycle insurance policy cover?
Reno Motorcycle insurance covers the motorcycle from damage caused by an accident as well as liability to other vehicles or injury caused to another party. Typically, you would make a claim through your motorcycle insurance policy in the same way you would an auto insurance policy.
You also get coverage for a number of accessories with are associated with motorcycle riding. As an example your helmet, leathers, saddlebags and backrest should all be covered. However, the insurance on these accessories is limited so if you have an expensive helmet or other accessory it is recommended to insure it separately.
With motorcycle insurance coverage you can choose how much and what kind of coverage your bike needs — at a reasonable price, too. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more. Protect your bike with the following types of motorcycle insurance coverage and for the best rates call us Pronto Auto Insurance:
Bodily Injury & Property Damage Liability (BI/PD)
BI/PD covers you if you’re at fault for an accident that injures another person or damages someone’s property, up to the limits you select.
Comprehensive & Collision
This motorcycle insurance coverage pays to repair or replace your motorcycle if it’s stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage.
Uninsured/Underinsured Motorist (UM/UIM)
When the person at fault for an accident doesn’t have insurance or doesn’t have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.
Medical Paymenst
MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
Custom Parts & Equipment
When you purchase Comprehensive or Collision motorcycle insurance coverage, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.
Roadside Assistance
If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Flat tire
- Lockout Insufficient supply of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway
ATV Coverage
We know you love your all-terrain vehicle, or ATV, whether you’re a rancher,
hunter, or trail rider or just enjoy riding in the desert. We also know that you
want to be covered if your ATV is stolen or badly damaged, and proper ATV
insurance coverage can help protect your investment.
Many states require ATV insurance for vehicles operated on state-owned land,
and your homeowners policy might not cover you if you ride off your own
property. That’s why ATV insurance coverage is especially important.
Comprehensive
In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.
Collision
Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.
Bodily Injury & Property Damage Liability
ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.
Uninsured/Underinsured Motorist
If the person at fault for an accident doesn’t have insurance ? or doesn’t have enough insurance ? Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.
How to Keep ATV Insurance Rates Low
Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low.
Ride carefully
If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.
Choose your ATV carefully
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
Buy More ATVs
You’ll receive a discount if you insure more than one ATV on your policy.
Protecting you from loss, Pronto Auto Insurance can help Insure your RV, Boat, Motorcycle, Auto, Business Vehicle. We can also help you if your traveling to Mexico.