NJ Motorcycle Insurance
Motorcycle Insurance Company Serving Central New Jersey
Whether you ride like the wind every day or just hop on once in a while with a white-knuckled death grip, there’s no question about it. You need the right motorcycle insurance. You probably got your NJ motorcycle insurance quickly and painlessly when you purchased your bike, but ask yourself this. Did you get the proper coverage?
The fact is, during the motorcycle buying process, they try to get you on a bike and on the road as fast as possible. And that often leads you glossing over the fine print of a motorcycle insurance policy. In an accident, injured victims don’t care how often you ride your bike. They care about themselves and their own financial welfare. You run the same risk of loss on your motorcycle as you do in a car. Lucky for you, we can help protect you, often for less than you’re paying now.
The Right NJ Motorcycle Insurance for You
Your Motorcycle Insurance NJ Coverage Options
Additional Coverage
Motorcycle Insurance Quotes, Discounts & Savings
The Right NJ Motorcycle Insurance for You:
There are a few things to consider when deciding whether your NJ motorcycle insurance is right for you.
- Perhaps you get distracted and run a red light. You end up hitting a pedestrian who’s crossing the street. When you or your motorcycle is responsible for damage or injury to others, you could be sued for much more than you’re worth.
- Maybe you run the red light and don’t hit anyone, but you lose control of your bike. And maybe you’re carrying a passenger with you. Unlike auto insurance, there is no mandated Personal Injury Protection (PIP) to cover medical expenses for the operator or passenger on your motorcycle. Make sure your health coverage is solid. If you or a passenger is injured in an accident, it could cost you a literal arm and leg.
- You make a quick stop for coffee before a long ride to your job. Someone steals your bike. Or maybe an angry passerby kicks it over. It often costs a pretty penny to fix or replace a motorcycle.
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Your Motorcycle Insurance NJ Coverage Options:
Looking for the cheapest discount New Jersey motorcycle insurance? Or prefer the best of the best no matter the cost? A solid motorcycle insurance company will make sure you have the right coverage at a great price! These coverage options protect you, your passengers and your motorcycle:
- Collision – If you hit and damage a mailbox, the post office building, a tree, an SUV, another motorcycle? No worries. Collision has you covered.
- Comprehensive – Floods, wind, vandals and thieves. Their effects won’t stand a chance when you’re protected with Comprehensive.
- Medical Payments Coverage – If a moment’s distracted throws you from your bike and leaves you with a broken leg, this coverage helps to take care of the medical expenses of any bike operator.
- Property Damage Liability - If you hop the curb and ride right on into someone’s living room, this coverage covers the damages when you’re at fault.
- Bodily Injury Liability - If your momentary lapse of good driving leaves another driver hurt, or worse, deceased, this coverage covers the damages when you’re at fault.
- Pedestrian PIP & Guest Liability - Your Bodily Injury Liability won’t cover the passengers on your bike or the pedestrians on the street. But this coverage will.
- Uninsured/Underinsured Motorist Bodily Injury – Sometimes it just isn’t your fault. That’s when it pays to have this coverage typically, which covers injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver.
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Additional Coverage:
- Equipment Coverage – Like a little bling with your bike? This optional coverage protects you from loss of optional or added equipment not installed by the manufacturer.
- Towing – Prone to running out of gas? The cost of motorcycle towing is available when you need roadside assistance.
- Rental Reimbursement – If your engine cracks or your bike disappears, this covers the cost of renting an automobile if your motorcycle is damaged or stolen.
- Lease/Loan Gap Coverage – Have a balance of a loan or lease? This coverage usually pays the difference. (To get this coverage, you must have Comprehensive and Collision coverages on the same policy).
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Motorcycle Insurance Quotes, Discounts and Savings:
The sky’s the limit with savings. Here are just a few of the discounts and savings that we offer saving you up to 40 percent on your premium!
- Multiple Motorcycle Discount
- Multiple Policy Discount
- Transfer Discount
- Good Rider Discount
- Motorcycle Organization Discount
- Motorcycle Safety Discount
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