Home > Personal Insurance > Motorcycle

WE KNOW THE DIFFERENCE.

We know the difference between an Electra Glide® and a Big Wheel®.

And we know the difference between an insurance specially crafted for your motorcycle protection vs. ordinary insurance that simply has an "add-on."

Gibson Insurance Agency specializes in Motorcycle Insurance. Our agents are experts in understanding your needs and talking your language. Those differences make all the difference in the world:

• We know that the bike or chopper you choose reflects your personality as much as your car and that you put a lot into its care. So you want to pay only what's necessary based on your actual circumstances - not simply some generic.

• We know that your automobile driving record (including car accidents) does count when getting motorcycle insurance. We'll work with you - whether recommending DMV or motorcycle classes - or customizing your coverage based on that extra risk.

• We know that everyone doesn't use their motorcycles in the same way. If you live in a rural area that limits you to seasonal use, you shouldn't pay the same as someone who has a more standardized mileage situation.

Our way of working is different than the ordinary. Sportbike for thrills or scooter to save gas cost on your work commute; weekend rider or HOG member; highways or out-of-the-way; let us help you fashion motorcycle coverage customized for you. We even know how to save you money by giving you only what you need.

• Unmatched number of DISCOUNTS available!!

• Motorcycle insurance sold by motorcycle enthusiasts

• Coverage available for ALL motorcycles
  - Traditional and Standard
  - Cruisers
  - Trikes
  - Custom Choppers
  - Classic/Antique Motorcycles
  - ATV
  - Moped
  - Touring and Sport Touring
  - Dual Purpose
  - Scooter
  - Sport Bike
  - Golfcart
  - Utility Vehicles
  - Dirt Bikes

• Customization Coverage

• Passenger Liability Coverage
  - This coverage provides protection in the event a passenger is injured on a motorcycle, which is usually excluded from most policies.

• Travel Loss Reimbursement
  - Trip Interruption: Provides meals, lodging, and transportation when a covered loss occurs more than 100 miles from residence.
  - Tow Coverage

• Safety Apparel Coverage
  - Covers approved clothing, helmet, and other safety items. Helmets are usually not subject to a deductible.

• Transport Trailer Coverage

• Loss Settlement Options
  - Actual Cash Value Coverage (Standard) 
  < Physical damage is covered based upon the book value of the motorcycle.
  - Agreed Value Coverage 
  < Physical damage is covered based upon the book value of the motorcycle. 
  < Not available on all bikes. 
  - Replacement Cost Coverage 
  < If motorcycle is totaled, we will replace it with a brand new motorcycle with no deduction for depreciation. 
  < Not available on all bikes.

• 12-month coverage with no mandatory lay-up period