Motorcycle Insurance - What to consider before your purchase

Motorcycle Insurance: What to Consider Before Your Purchase

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Whether you’re a veteran rider fully immersed in the lifestyle and culture of the open road, or a novice newcomer purchasing a motorcycle for the very first time, you want to protect your pride and joy. Not to mention you and your passengers as well. (It’s okay to admit you’d list your bike first, we get it!)


So, you’re in the market for motorcycle insurance. With so many options, it’s easy to get overwhelmed. Your motorcycle insurance experts at Dairyland® are here to help by sharing some important things about what to consider before purchasing new motorcycle insurance or making changes to your current policy.


Timing your purchase

The timing of your motorcycle insurance purchase or policy changes can help make your life less stressful and potentially save you money. Ultimately, it comes down to where you’re currently at in relation to motorcycle insurance.


First-time purchaser

Typically, if you’re buying motorcycle insurance for the first time, you’re also buying your first motorcycle. If you’re financing through a dealership, most require proof of insurance to receive the financing. So, you’ll want to buy at least your minimum insurance before your motorcycle purchase, resulting in a smooth transaction the day you ride off the lot.


Current policyholder

It’s always good to review your insurance coverage regardless if you’ve been riding protected for years under the same policy or you’ve had a carrier for only a year. The selections you initially made could be outdated when it comes to your current situation, or you could discover that you’re missing out on some money-saving discounts.



There are a variety of motorcycle insurance coverage options available to you. When you’re reviewing options, keep the following in mind:


  • How often you’ll ride your bike
  • Where you’ll store it
  • How you might customize it
  • How far you’ll typically travel


These factors will help you determine the coverages that are right for you.


Required insurance

Each state in our country—minus Florida and New Hampshire—have their own liability insurance requirements, so be sure to research and find out what’s required where you live before purchasing a motorcycle insurance policy.


If you live in a state that doesn’t require insurance, we believe it’s in your best interest to purchase coverage to protect yourself and those around you—potentially saving you from life-altering costs due to damages, injuries, or worse, should they happen.


Additional insurance

While your required liability insurance can help protect you and your bike, it may not provide coverage for things like special equipment or specific part replacement costs. There’s also comprehensive coverage which can help with costs related to theft or natural disasters. Additional insurance options help you customize your insurance based on your lifestyle.


Here’s a look at motorcycle coverages Dairyland offers:

  • Liability only
  • Collision
  • Comprehensive
  • Physical damage plus
  • Optional/special equipment
  • Replacement cost
  • Medical expense
  • Guest passenger
  • Underinsured and uninsured protection
  • Roadside assistance


Motorcycle Insurance Costs

Like auto insurance, many factors apply to motorcycle insurance in determining your cost, such as the make and model of your motorcycle, your location, your driving record, and your payment history. The cost can also vary depending on the coverage options you select. Customizing your coverage is a great way to help save money on your policy.



Many insurance companies offer money-saving discounts like these, available from Dairyland, to help you further save on your insurance:


  • Home ownership
  • Multi-cycle
  • Harley Owners Group®(H.O.G.®) or rider group member
  • Transfer
  • Loyalty 


As a motorcycle rider, selecting insurance is one of the most important decisions you’ll make. So, before you ride off into the sunset with any insurance carrier, remember to compare rates, coverages, and discounts across companies to help ensure you receive the right coverage at the lowest price. Enjoy the process and the ride!


About Dairyland


As trusted motorcycle insurance companies, Dairyland stands behind our policies with industry-leading services, liability coverage, collision coverage, bodily injury coverage, and support. It’s how we’ve been doing business for more than 50 years.


See what sets us apart from other motorcycle insurance providers. Get Dairyland motorcycle insurance coverage today with a fast, free motorcycle insurance quote.


Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit In Texas, Dairyland® property and casualty coverages are underwritten by Dairyland County Mutual Insurance Company of Texas, Austin, TX. In California, Dairyland® property and casualty coverages are underwritten by Viking Insurance Company of Wisconsin, Stevens Point, WI. Policies, coverages, benefits, and discounts are not available in all states. Savings based upon all available discounts. See your policy for complete coverage details.


The general information contained in this Blog is for informational or entertainment purposes only. The information in this Blog is provided “as is” and without any warranties of any kind. Dairyland® and its affiliates (“Dairyland”) do not accept any responsibility related to the content or accuracy of the information contained in this Blog. The information contained in this Blog should not be mistaken for professional or legal advice. Any use of this Blog or any third-party website linked to this Blog is at the risk of the user. Dairyland is not liable to any person or entity for any direct, indirect, or consequential damages arising out of the use or inability to use this Blog or any third-party website linked to this Blog. The views and opinions contained in third-party websites referenced in this Blog are the views and opinions of third-party authors and may not represent the opinions or policies of Dairyland.

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