Michigan Motorcycle Insurance Quotes

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Michigan Motorcycle Insurance

There’s no better way to take in the beauty of Michigan than from a motorcycle. After all, where else are you going to find such unique coastal regions and deep green woods? Whether you’re hoping to see something off the beaten path or to drive through the heart of Motor City, a motorcycle is definitely the way to do it.

How to Save Money with Michigan Motorcycle Insurance

The easiest way to save money in Michigan is by getting at least one of the following discounts. Of course, if you truly want to save a lot of money, you’ll need to take advantage of as many perks as possible.

1. Multi-Policy Discount

Why would you spread your insurance around when you get a discount for a multi-policy discount? Simply insure everything through the same provider, and you’ll get the best price available.

2. Mature Rider Discount

We understand that Michigan motorcycle insurance rates may seem a bit high. That’s the reason we provide many specialized discounts, including this great deal for older drivers. Be sure to ask how you can save 10 percent.

3. Multi-Cycle Discount

Is one motorcycle not enough? Get a second one for a 10 percent discount off of both bikes!

4. Safety Course Discount

We strongly believe that every driving course you take makes you a better driver. That’s why we encourage you to take at least one additional class from the Military Safety Course or the Motorcycle Safety Foundation. Complete the course to receive up to 10 percent off!

How Much is the Typical Price?

The standard MI motorcycle insurance policy is $995. You can expect to pay anywhere from $803 to $1,182 for it, depending on the company that you choose. Your rate may exceed $1,182 if you’ve had a history of motorcycle complaints.

The Average Motorcycle Insurance Cost in Michigan

Now that you’ve seen what the average cost is, you’re going to want to learn how to get it. Fortunately, this is one of the easiest aspects, it just takes some time and energy. Even better, you can avoid doing this part altogether by turning to an independent insurance agency.

When an insurance company represents multiple agents instead of only one, they earn the right to impartially shop the competition for you. That’s exactly where we’re at, so we know that you’ll love sitting back and letting people outbid each other!

Michigan motorcycle insurance requirements

Best Motorcycle Insurance in Michigan

Now that you understand how to use an independent agency to your advantage, it’s time to get the best possible deal. We will gather a long list of quotes and deliver them to you. There will be several routes you can take, including the absolute cheapest of them all.

Michigan Motorcycle Insurance Requirements

While some will take the cheapest insurance offered to them, others will look at an apples to apples basis. Either way, there’s plenty of room for a discount. Be sure to ask for a policy that breaks down the price of the six most crucial elements.

  • Collision Coverage
  • Bodily Injury Liability Coverage
  • Property Damage Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage

MI Motorcycle Insurance Quote

After getting the basics out of the way, you can narrow down to a much more specific level of Michigan motorcycle insurance quotes. Consider what type of policy will put you in the best position for dealing with regular, and irregular, service calls.

1. Emergency Roadside Service

If you’re run out of gas or have a flat tire, you’re going to need emergency roadside service. We’ll take a trip to wherever you’re stranded. It’s super simple and helps you get a handle on what could otherwise be a miserable experience.

2. Helmet Coverage

The best motorcycle insurance in Michigan provides helmet coverage as well. This is especially important when your helmet has electronic pieces to consider.

3. Accessories Coverage

Collision or comprehensive coverage gives you some superior protection for your vehicle. But what happens when your policy doesn’t cover your accessories? Fortunately, you never have to find out! With this accessories coverage, you can cover everything that comes with your vehicle, including:

  • Trike Conversion Kit
  • Electronic Equipment
  • Seats and Saddlebags
  • Non-Stock Sidecar

Common Questions: Cheap Motorcycle Insurance in Michigan

Open your mind, and the reality is that you’ve probably got millions of questions waiting inside. While we don’t have time to answer quite that many today, we do have more than enough room for the most crucial of your questions.

What are the Minimum Motorcycle Insurance Rates?

  • Bodily Injury or Death/1 person – $50,000
  • Bodily Injury or Death/2 people+ – $100,000
  • Property Damage – $10,000

How Much is Motorcycle Insurance in Michigan?

We’ve looked at this from an average point of view already, but what happens if we know what your particular parameters are? Although we cannot give you an exact price, we can definitely narrow it down to a more specific ballpark. For example, if you’re been driving a motorcycle for several years and have had no accidents, you’re going to be much closer to $803. On the opposite side, you’re going to come in much closer to $1,182.

Let Us Help You!

By the time you’ve gotten all your quotes together, your head might be spinning. Save yourself the time, hassle and trouble by going through our independent agency instead. We’ll contact the insurance providers for you and will then give you a basic overview to choose from. This is not only the best way to save money but it’s also the easiest. Contact us today via email or by phone. We look forward to serving you!

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