We’ve Got You Covered. Let's Ride
Motorcycles come in all shapes and sizes. Name your ride and, chances are, We have a policy to cover it.
Your Local Agent for the #1 motorcycle insurer.
The Progressive Group of Insurance Companies has been insuring motorcycles for more than 43 years. With more than one million riders, they're the largest motorcycle insurer in America.
Coverages you get for free
Full replacement cost and no depreciation
We will always return your bike to pre-accident condition or better. So, let’s say that your front fender gets damaged in a covered loss. It’s used and only valued at $50, but a new one costs $150. We’ll give you the full $150 for a brand new one and not the depreciated value. That’s a real $100 difference.
Accessories and custom parts/equipment
You’ll get the exact amount needed to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive & collision to pay for upgrades, customizations, equipment and your accessories, helmets, leathers and gloves. If that’s not good enough, you can purchase up to $30,000 in coverage.
Unlimited small accident forgiveness
We won’t count any accidents ($500 or less) against your record or charge you more because of one.
Large accident forgiveness
Ride accident free with us for four straight years, and we won’t count your first accident (over $500) against you.**
If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs. Or if you have custom parts, we’ll use custom parts in repairs. Basically, no matter what parts you have, we’ll always replace them with the same or better parts.
Standard motorcycle insurance coverages
Bodily injury & property damage liability (BI/PD)
Pays for damages to other vehicles, property (fences, signs, etc.) and injuries to other drivers/motorcyclists and their passengers. This will also pay for legal expenses if you’re sued.
Uninsured/underinsured motorist (UM/UIM)
It’s a common question: what happens if someone who doesn’t have insurance hits you? Sometimes, they’ll pay out of pocket for damages. But if they can’t afford it, you may have to pay. This coverage protects you from that and pays for damages to your motorcycle, your injuries/medical bills and any lost wages if you can’t work.
Comprehensive & collision
Pays to repair or replace your motorcycle if it’s stolen or damaged. Instead of choosing a dollar amount, you pick a deductible (the portion you pay). So, if you have a claim for $2,000 worth of damage and you have a $500 deductible, you pay $500 out of pocket (we’ll pay the rest).
Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. You can pick a range of coverage limits. In some states, this coverage will kick in once your health insurance limits are reached.
Extra coverages you can add
Total loss coverage for a brand new bike
Available if your bike is no more than one model year old. If it’s totaled within 3 model years, we will give you the full amount for a brand new motorcycle. Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, it’s going to cost $15,000+ for a new bike. We’ll give you the full $15,000+ for the new model. That’s a $5,000 difference. If your bike is totaled when it’s outside the three-model year window, you’ll still get the actual cash value for what it’s currently worth.
If you get stuck or your bike is disabled, we’ll tow it to the nearest repair shop for free. You just have to be within 100 feet of the road. You can also add trip interruption to pay for food and lodging expenses up to $500 if you’re away from home (you must have roadside assistance first then add trip interruption).
Carried contents and personal belongings
Covers personal belongings that you carry on your bike if they’re damaged, stolen or lost. This can include phones, camping gear, hunting gear or anything else that could fall off your bike.
Every policy term that you don’t have a claim, we’ll take 25% off your deductible, all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.
Credits and Discounts on Motorcycle Insurance
Quote in advance
Plan ahead and save. Quote at least one day before your actual policy starts, and you’ll get a discount. For example: quote on March 19, and your policy starts March 20 or later.
If you haven’t had any accidents for the last three years, you’ll get a huge savings
Multi-policy or multi-vehicle
You could save even more if you have (or get) another Progressive policy. It could be for anything: a car, second motorcycle, ATV, etc.
Switch discount (transfer)
Already insured by another company? Break the ties, switch to us and we’ll say thanks with another discount.
Pay in full
Just pay your policy in full (all at once), and we’ll pay you back with a discount.
Pay on time
The easiest discount of all. Pay your premium on time for a year, and we’ll lower your motorcycle insurance rate at renewal.
Automatic bill-pay (electronic funds transfer)
It’s a discount any one can get. Once you complete your quote, sign up for automatic bill pay to immediately lower your rate.
Got a home, mobile home or condo you own? Great! You got another discount, even if it’s not insured by us.
You can even get a discount if you belong to the Harley Owners Group or United Services Automobile Association (USAA).
Get another discount If your bike is equipped with LoJack.® See how easy it is to get affordable motorcycle insurance.
It’s another easy discount. You got ‘em on your bike, we’ll lower your motorcycle insurance rate.
Get a valid motorcycle license or add a motorcycle endorsement to your driver license, and we’ll add another discount.
Just complete an approved safety course (no matter what you’re driving record is) and you could lower your motorcycle insurance rate again.
No at-fault accidents
If you don’t have any at-fault accidents or claims, we’ll give you an extra discount when you renew your policy.
One of the great advantages of having your motorcycle coverage through one carrier is that you may save money by having more than one policy with that company. Bassett Insurance Group will be able to help calculate how much money you can save.
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CO - What you need to know about motorcycle insurance
Your motorcycle insurance can include any or all of the options below - contact Bassett Insurance Group today to discuss what coverage is best for you.
Custom Parts and Equipment
If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Check with Bassett Insurance Group to determine your specific coverage.
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Uninsured/Underinsured Motorist Coverage
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Let us help make sure you're covered when you hit the streets of Longmont - talk to Bassett Insurance Group today to find out how to get the best price and value on the motorcycle insurance that's right for you. Give us a call at 303-776-7676.