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ATC Agency Blog

All You Ever Wanted to Know About Insurance

Motorcycle Insurance

Motorcycle insurance protects you and your motorcycle. A basic motorcycle insurance policy covers bodily injury and property damage, uninsured and underinsured motorist, medical payments, and comprehensive and collision insurance. Comprehensive and collision is an optional coverage, and on older, less expensive bikes, it may not be cost effective to carry these coverages. A good way to save on your motorcycle insurance is to take a safety class; Motorcycle Safety Foundation offers accredited and approved courses.

At A.T.C. Agency, you will get plenty of options. We proudly serve the Edina, Minnesota area, but are able to help statewide with your motorcycle insurance. If your bike is road legal, we will likely be able to find an insurance policy for you and your bike. Motorcycles that are used for racing, typically, are not eligible for personal motorcycles insurance policies.

A basic motorcycle policy has extra coverages you may want to add to your insurance policy. Beyond the basic coverage, you can add Roadside assistance, disappearing deductible, enhanced injury protection and personal belongings. The extra coverage will add an additional amount to your premium, but you won’t want to get caught without them.

Motorcycle insurance is typically very affordable, and we are able to shop a wide variety of insurance carriers to find the best insurance policy for you. If you are shopping for a policy online, you might end up with just a basic insurance policy, when you could benefit from additional protection. If you have any questions, stop by our office in Edina, Minnesota or give us a call!