How to Insure Custom Motorcycles

Custom motorcycles are a labor of love, reflecting your unique style and personality. Protecting these one-of-a-kind machines requires specialized insurance coverage. Here at Martin Insurance Team, providing motorcycle insurance to customers in the Evergreen Park, IL region, we want to teach you how to insure your custom motorcycle to ensure it stays safe on the road.

Assess Your Bike’s Value

Before securing insurance, determine the value of your custom motorcycle. Consider factors like custom parts, upgrades, and any sentimental value. This assessment will help you choose the proper coverage.

Choose the Right Coverage

Standard motorcycle insurance may not adequately cover your custom bike. Look for policies that offer "agreed value" or "stated value" coverage. These policies allow you to set a value for your motorcycle, ensuring you’re compensated appropriately in case of a total loss.

Document Customizations

Thoroughly document all customizations, modifications, and upgrades made to your motorcycle. Keep records of receipts, invoices, and photographs. This documentation will serve as crucial evidence when filing a claim.

Shop Around for Quotes

Insurance premiums for custom motorcycles can vary widely. Don’t settle for the first quote you receive. Shop around and compare rates from different insurers. Be sure to inquire about discounts for safety features and anti-theft devices.

Custom motorcycles deserve custom insurance. Assess your bike’s value, choose the right coverage, and document customizations meticulously. If you’re in the market for new motorcycle insurance in the greater Evergreen Park, IL area, regardless of whether it’s for a custom or standard motorcycle, the insurance agents at Martin Insurance Team would love to help you find the policy that is best suited for your needs. Call or email us to start the process of finding you a new motorcycle insurance policy.