{"id":2651,"date":"2011-12-09T14:25:10","date_gmt":"2011-12-09T20:25:10","guid":{"rendered":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/?page_id=2651"},"modified":"2021-05-16T11:51:30","modified_gmt":"2021-05-16T17:51:30","slug":"motorcycle","status":"publish","type":"page","link":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/insurance\/personal-insurance\/motorcycle\/","title":{"rendered":"Motorcycle Insurance"},"content":{"rendered":"<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n<section class=\"ivx9\">\n<p>  <!-- Hero \u2014 copy left, coded artwork right --><\/p>\n<div class=\"ivx9-hero\" data-a=\"1\">\n<div class=\"ivx9-hero-copy\">\n<div class=\"ivx9-eyebrow\"><span class=\"ivx9-eyebrow-rule\"><\/span>Baer Insurance Services<\/div>\n<h2 class=\"ivx9-headline\">Motorcycle Insurance <\/h2>\n<p>Motorcycle insurance is a crucial safeguard for anyone who rides on two wheels. Just like car insurance, it helps protect you financially in case of an accident, theft, or damage to your bike. Most policies can cover liability for bodily injury and property damage, medical payments, and even roadside assistance. The right policy fits your unique needs and riding habits so you\u2019re never caught off guard.<\/p>\n<p>Several factors influence your premium: the type of bike you ride, your age, riding experience, and location. Sport bikes often carry higher premiums due to increased accident risk, while cruisers and touring bikes may cost less to insure. Maintaining a clean riding record and completing safety courses can help lower your rates \u2014 signs of a responsible rider that insurers reward.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-visual\">\n      <!-- IVX9 coded artwork \u2014 generated illustration, no external image.\n     Colour comes from .ivx9-af-* in __ivai_page_styles.css. --><br \/>\n<svg class=\"ivx9-art\" viewBox=\"0 0 400 300\" role=\"img\" aria-labelledby=\"t-motorcycle-insurance\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" preserveAspectRatio=\"xMidYMid meet\"><title id=\"t-motorcycle-insurance\">Illustration of a motorcycle in profile against a skyline<\/title><rect class=\"ivx9-af-field\" x=\"0\" y=\"0\" width=\"400\" height=\"300\"\/><g class=\"ivx9-af-grid\"><line x1=\"34\" y1=\"0\" x2=\"34\" y2=\"300\"\/><line x1=\"68\" y1=\"0\" x2=\"68\" y2=\"300\"\/><line x1=\"102\" y1=\"0\" x2=\"102\" y2=\"300\"\/><line x1=\"136\" y1=\"0\" x2=\"136\" y2=\"300\"\/><line x1=\"170\" y1=\"0\" x2=\"170\" y2=\"300\"\/><line 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width=\"400\" height=\"10.5\"\/><rect class=\"ivx9-af-ink-2\" x=\"0\" y=\"244.5\" width=\"400\" height=\"3\"\/><\/svg><br \/>\n<script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n    <\/div>\n<\/p><\/div>\n<p>  <!-- Metrics strip --><\/p>\n<div class=\"ivx9-metrics\" data-a=\"2\">\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Vehicle Types<\/div>\n<div class=\"ivx9-metric-val\">All Bikes<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Coverage Options<\/div>\n<div class=\"ivx9-metric-val\">7+ Types<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Agency Type<\/div>\n<div class=\"ivx9-metric-val\">Independent<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Discounts<\/div>\n<div class=\"ivx9-metric-val\">Safety Course<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- Call to action --><\/p>\n<div class=\"ivx9-cta\" data-a=\"3\">\n<div class=\"ivx9-cta-content\">\n<div class=\"ivx9-cta-heading\">Before you rev up, make sure you\u2019re covered.<\/div>\n<p class=\"ivx9-cta-sub\">Our licensed professionals find motorcycle coverage that truly fits \u2014 competitively priced.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-cta-action\">\n      <br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/>\n    <\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"4\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Coverage Guide<\/div>\n<h3>Understanding Motorcycle Insurance<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<p class=\"ivx9-lead\">Motorcycle insurance protects you, your bike, and your finances on the road. Most states require riders to carry the same minimum liability coverage as car drivers, and several optional coverages help protect your motorcycle itself.<\/p>\n<div class=\"ivx9-item\">\n<h4>Liability Coverage<\/h4>\n<p>Required by law in most states, liability coverage pays for injuries and property damage you cause to others in an at-fault accident. Each state sets its own minimum limits for bodily injury and property damage liability. It does not pay to repair your own motorcycle.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Collision and Comprehensive Coverage<\/h4>\n<p>Collision coverage pays to repair or replace your motorcycle after a crash, regardless of fault. Comprehensive covers non-collision losses such as theft, vandalism, fire, and storm damage. Both are optional but recommended, especially for newer or financed bikes.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Uninsured and Underinsured Motorist Coverage<\/h4>\n<p>This protects you if you are hit by a driver who has no insurance or not enough. With many drivers on the road uninsured or underinsured, it is valuable coverage for riders.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Accessories and Custom Parts Coverage<\/h4>\n<p>Standard policies often limit coverage for custom parts, chrome, saddlebags, and aftermarket equipment. If you have invested in customizations, you can add coverage to protect them.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"5\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Questions<\/div>\n<h3>Motorcycle Insurance FAQ<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<div class=\"ivx9-item\">\n<h4>Is motorcycle insurance required?<\/h4>\n<p>Yes. Motorcycles must carry the same minimum liability coverage as other vehicles, as set by your state. You must keep proof of insurance with you while riding.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Does liability coverage pay to repair my motorcycle?<\/h4>\n<p>No. Liability covers injuries and damage you cause to others. To cover your own bike, you need collision and comprehensive coverage.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Are my custom parts and accessories covered?<\/h4>\n<p>Standard limits for custom parts are often low. If you have added aftermarket or custom equipment, ask about accessories coverage so your investment is protected.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>What if I only ride seasonally?<\/h4>\n<p>Many riders keep coverage year-round so the motorcycle is protected against theft or damage even in storage. Talk with us about the best option for how you ride.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Why buy motorcycle insurance through an independent agent?<\/h4>\n<p>As an independent agency, Baer Insurance Services represents many carriers, so we can compare coverage and price for your bike and how you ride, with personal, local service.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"6\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Coverages Available<\/div>\n<h3>What a policy can include<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<p class=\"ivx9-cov-title\">Motorcycle Insurance  \u2014 Coverages Can Include:<\/p>\n<ul class=\"ivx9-cov\">\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Bodily injury liability<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Property damage liability<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Collision coverage<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Comprehensive coverage<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Medical payments<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Uninsured\/underinsured motorist<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Custom parts &amp; equipment<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Roadside assistance<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"ivx9-note ivx9-note-amber\" data-a=\"7\">\n<p>Before revving up your new bike, protect yourself and your hot wheels with Motorcycle insurance. The professionals at Baer Insurance Services in Middleton, Wisconsin can discuss your options from personal injury protection to property damage liability. <strong>Call us today, and we\u2019ll get you rolling with the coverage you need.<\/strong><\/p>\n<\/p><\/div>\n<\/section>\n<p><script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Baer Insurance Services Motorcycle Insurance Motorcycle insurance is a crucial safeguard for anyone who rides on two wheels. Just like car insurance, it helps protect you financially in case of an accident, theft, or damage to your bike. Most policies can cover liability for bodily injury and property damage, medical payments, and even roadside assistance. 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