Incorporates characteristics similar to those in the Cruiser category but is designed and built by small manufacturers on a limited basis. Many are hand-built, built to order and/or highly customized (e.g., Titan Gecko, American Ironhorse Bandit). Physical Damage coverage is available on most Limited Production Cruisers.
Vintage motorcycles allow you to preserve the past and enjoy the classic rides from yesteryear. Agreed Value coverage is available for bikes 25 years or older.
The agreed value option for motorcycles means the lower of the following will be used to settle a total loss:
The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application, including the market value of all custom parts and equipment. The agreed value should be updated on your policy whenever changes are made to your motorcycle.
Your bike is an extension of your personality — that's one reason why you customize it. To ensure that customizations you make to your bike are covered, the following Customized Motorcycle program features are offered with a Progressive Motorcycle insurance policy.
In most states, at least $1,000 of free Custom Parts and Equipment (CPE)/Accessory coverage is included with Comprehensive or Collision coverage on motorcycles less than 25 years old that are listed with resale values in the NADA Appraisal Guide.
Up to $30,000 of Additional Custom Parts and Equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old that are listed with resale values in the NADA Appraisal Guide. Models from most major manufacturers (Honda, Harley-Davidson, Yamaha, Kawasaki, BMW, Suzuki, Aprilia, Polaris, Arctic Cat, etc.) fall into this category. Bikes in this category are eligible for Actual Cash Value Physical Damage coverage and Purchase Price/Replacement coverage on CPE, up to the limit purchased.
Motorcycles less than 25 years old whose manufacturers are listed in NADA but whose resale values are not listed are eligible for up to $50,000 in Agreed Value Physical Damage coverage and CPE coverage. Itemized receipts and an underwriting inspection are required for this coverage.
Motorcycles assembled from a kit or individual parts and motorcycles whose manufacturers are not listed in NADA are eligible for Liability coverage only.
Comprehensive and Collision coverages are available on most motorcycles and all ATVs.
Motorcycles less than 25 years old whose manufacturers are listed in NADA but whose resale values are not listed are eligible for up to $50,000 in Agreed Value coverage and CPE coverage. Itemized receipts and an underwriting inspection are required for this coverage.
Motorcycles that are not eligible for Comprehensive and Collision coverage include the following:
With a Progressive Motorcycle policy, motorcycle/ATV total losses are settled using two methods: actual cash value (ACV) and agreed value.
The actual cash value (ACV) option for motorcycles means the lower of the following will be used to settle a total loss:
The ACV of the motorcycle at the time of loss, reduced by the applicable deductible, and by its salvage value if the insured opts to retain ownership of the motorcycle.
For example, if the ACV of your motorcycle is $12,000 when it is totaled in an accident, your Collision deductible is $500, and the salvage value of your bike is $6,000, your payout amount from the insurance company would be $5,500.
This settlement method applies to:
The agreed value option for motorcycles means the lower of the following will be used to settle a total loss:
The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application, including the market value of all custom parts and equipment. The agreed value should be updated on your policy whenever changes are made to your motorcycle.
The following items must be insured with the agreed value settlement option:
For more than 35 years, Progressive has offered affordable motorcycle insurance rates. With Progressive, you can insure a variety of motorcycles and off-road vehicles, including customized motorcycles and motorcycles 25 years and older.
If you're looking for a motorcycle insurance rate tailored just for your bike, check out the different types of motorcycles and off-road vehicles we insure:
How and where you shop for motorcycle insurance rates can save you a lot of money. With so many companies trying to win your business, our goal is to provide you with the information you need to make the right decision. Our motorcycle insurance rates provide you with the information you need to make the right decision today, tomorrow, or whenever you're ready. We offer motorcycle insurance rate quotes 24/7 online and by phone, so we're here when you need us.
Progressive motorcycle insurance offers customized motorcycle insurance that fits your needs. Our Customized Motorcycle program features include Accessory coverage for your custom parts, Comprehensive and Collision coverage, and Actual Cash Value (ACV) and Agreed Value settlement options. Your customized motorcycle insurance policy is just moments away.
For more than 35 years, Progressive has offered affordable motorcycle insurance rates. With Progressive, you can insure a variety of motorcycles and off-road vehicles, including customized motorcycles and motorcycles 25 years and older.
If you're looking for a motorcycle insurance rate tailored just for your bike, check out the different types of motorcycles and off-road vehicles we insure:
How and where you shop for motorcycle insurance rates can save you a lot of money. With so many companies trying to win your business, our goal is to provide you with the information you need to make the right decision. Our motorcycle insurance rates provide you with the information you need to make the right decision today, tomorrow, or whenever you're ready. We offer motorcycle insurance rate quotes 24/7 online and by phone, so we're here when you need us.
We know you love your all-terrain vehicle, or ATV, whether you're a rancher, hunter, or trail rider. We also know that you want to be covered if your ATV is stolen or badly damaged, and proper ATV insurance coverage can help protect your investment.
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you if you ride off your own property. That's why ATV insurance coverage is especially important.
Much like our motorcycle insurance, Progressive offers a variety of ATV insurance coverages, including:
In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it's caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.
Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.
ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.
If the person at fault for an accident doesn't have insurance — or doesn't have enough insurance — Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you're protected up to those limits.
You want to choose the right ATV insurance company for your needs, and we make sure to provide you with the necessary information to make the right decision today, tomorrow, or whenever you're ready. Our ATV insurance options are convenient, easy, and available 24/7 online and by phone. We'll help you with your Progressive ATV insurance quote every step of the way, too.
Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:
If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
You'll receive a discount if you insure more than one ATV on your policy.
Insure your bike with Progressive, and receive coverage and claims service from the No. 1 motorcycle insurance group in the country. We’ve protected bikes and riders for more than 35 years. From your quote through any claims you might have, our experts are available 24 hours a day to help you.
(If you're looking for auto insurance, we offer that, too.)
Build a customized policy to fit your needs. Our program Accessory coverage, Comprehensive and Collision coverage, loss settlement options, Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance. To see all of your options, start a motorcycle insurance quote.
Progressive motorcycle insurance covers many types of bikes, so even if you’re looking for specific coverage—like scooter insurance, motocross insurance, dirt bike insurance, moped insurance, classic motorcycle insurance, or trike insurance—a motorcycle insurance policy is what you need. Start building your policy today with a Progressive motorcycle insurance quote, and check out our affordable motorcycle insurance rates.
Our motorcycle insurance quotes, available 24/7, include information to help you review your options and choose the best coverage for your bike. Start a quote today—you could save money, while getting the coverage you need.
